Remote Junior Credit Analyst - Detail-Driven & Growth-Ready

Doxa; Philippines; Remote; PHP 446,000 - 781,000; Full time

Job summary

DOXA is seeking a detail-oriented Junior Credit Analyst to support the Senior Credit Analyst in SBA and commercial lending processes. You will spread and analyze financial statements, calculate DSCR, and prepare credit memos, while ensuring data accuracy and file quality.

The role requires 1–3 years of business credit experience, a finance-related degree, and strong English communication. This is a remote position for candidates in the Philippines with EST working hours.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, Economics, or related field.
• 1–3 years of experience in business credit or underwriting support; SBA exposure preferred.
• Ability to read business tax returns, P&L statements, and balance sheets; prepare credit memos.

Responsibilities

• Spread and analyze tax returns, P&L statements, and balance sheets for borrowers.
• Calculate DSCR, cash flow, liquidity, leverage; identify credit concerns.
• Assist with SBA and commercial loan credit packages and supporting documentation.
• Perform quality-control reviews of financial spreads and loan documentation.
• Maintain organized loan files and meet deadlines.

Skills

Excel

Financial analysis

Credit analysis

Attention to detail

Education

Bachelor's degree in Finance, Accounting, Business, Economics, or related field

Tools

Credit-analysis software

Lending software

Job description

DOXA is seeking a detail-oriented Junior Credit Analyst to support the Senior Credit Analyst in SBA and commercial lending processes. You will spread and analyze financial statements, calculate DSCR, and prepare credit memos, while ensuring data accuracy and file quality.

The role requires 1–3 years of business credit experience, a finance-related degree, and strong English communication. This is a remote position for candidates in the Philippines with EST working hours.