Senior Commercial Credit Analyst

BDO Unibank; Cebu City; On-site; PHP 600,000 - 900,000; Full time

Job summary

BDO Unibank in Cebu City, Philippines, seeks a Corporate Credit Analyst to evaluate commercial borrowing accounts and facilities across bank products. You will gather financial data, perform due diligence, and prepare executive summaries with risk assessment and recommendations.

The role requires strong analytical skills, experience in credit evaluation for loans, LC's, trust and treasury, and proactive monitoring to uphold high credit standards.

Responsibilities

• Initiate the regular and timely credit evaluation process of new and pre-assigned existing commercial borrowing accounts including group accounts.
• Ensure that required documents (Credit Investigation Report, audited/interim financial statements, financial analysis, industry data) are obtained on time.
• Conduct site/plant visits to verify business activity and prepare timely call memoranda.
• Provide a comprehensive Executive Summary covering background, business outlook, financial analysis, risks, and financing recommendations.
• Maintain orderly filing of data, working papers, call memoranda, and executive summaries in CRC folders.
• Pro-actively manage credit risks by ensuring accounts are properly graded and risk rated.
• Conduct industry research to understand the client, including industry performance, players, risks, and success factors.
• Regularly compile industry indices and benchmarks to evaluate borrower performance.
• Monitor early warning signals and recommend actions to improve portfolio quality.
• Adhere to Bank credit and risk policies to support a strong risk culture across units.

Job description

BDO Unibank in Cebu City, Philippines, seeks a Corporate Credit Analyst to evaluate commercial borrowing accounts and facilities across bank products. You will gather financial data, perform due diligence, and prepare executive summaries with risk assessment and recommendations.

The role requires strong analytical skills, experience in credit evaluation for loans, LC's, trust and treasury, and proactive monitoring to uphold high credit standards.