Lead Credit Risk Analyst

PJ Lhuillier Group of Companies; Makati; On-site; PHP 335,000 - 614,000; Full time

Job summary

PJ Lhuillier Group of Companies is seeking a Credit Analyst to join our risk team in Makati. You will prepare credit analysis and assign risk ratings on loans to determine client creditworthiness, guiding lending decisions.

Your tasks include evaluating financial information from business profiles, financial statements and credit history; checking payment histories, assets and liabilities; validating borrowers’ ability to repay and ensuring all credit files are complete and BSP compliant.

Qualifications

• Graduate of any four-year course.
• At least 2 years of credit or financial statement analysis experience.
• Knowledge on credit evaluation, bank operations, BSP rules and regulations.
• Willing to work in Makati.

Responsibilities

• Prepare credit analysis and credit risk ratings on loans.
• Evaluate client financial information from profiles, statements and history.
• Check payment history, assets, liabilities and earnings for credit terms.
• Validate current financial condition for loan obligations.
• Reconcile credit files and identify discrepancies; ensure completeness.

Skills

Credit analysis

Financial statement analysis

Bank operations

BSP rules familiarity

Education

Bachelor's degree

Job description

PJ Lhuillier Group of Companies is seeking a Credit Analyst to join our risk team in Makati. You will prepare credit analysis and assign risk ratings on loans to determine client creditworthiness, guiding lending decisions.

Your tasks include evaluating financial information from business profiles, financial statements and credit history; checking payment histories, assets and liabilities; validating borrowers’ ability to repay and ensuring all credit files are complete and BSP compliant.