Senior Credit Analyst

ING Hubs B.V. Philippine Branch; Makati; On-site; PHP 800,000 - 1,200,000; Full time

Job summary

ING Hubs B.V. Philippine Branch is seeking an intermediate credit analyst with 3 to 5 years of experience. The role focuses on monitoring loan covenants, financial spreading, risk rating, and credit reviews within ING Wholesale Banking.

The candidate will work across teams globally, analyse financial statements, and support lending decisions with data-driven insights. Strong English communication and attention to detail are essential.

Qualifications

• Bachelor's degree preferred in Business, Accounting, Finance or Economics, or related discipline with strong accounting knowledge.
• Experience in financial services involving corporate or institutional lending is desired.
• Strong understanding of financial statements of companies.

Responsibilities

• Analyze financial statements (Income Statement, Balance Sheet, Cash Flow) and input data into credit analysis systems.
• Screen loan agreements and assess financial covenants applicable to borrowers.
• Prepare reports for lending teams worldwide on overdue ratings, covenants and financials.
• Conduct background research to understand drivers in borrowers' sectors for risk rating.
• Collaborate with local and global peers and management using credit, analytical and technical skills.
• Engage with managers and gain exposure to global Wholesale Banking teams.

Skills

Credit analysis

Financial statement analysis

English communication

Teamwork

Attention to detail

Education

Bachelor's degree preferred in Business/Finance/Economics

Job description

Who we are: ING Bank NV is a global bank with a strong European base. Our more than 60,000 employees serve around 37 million customers, corporate clients, and financial institutions in over 40 countries. Our purpose is to empower people to stay a step ahead in life and in business. We have intermediate credit analyst (with 3 to 5 years' experience) positions that offer an ideal opportunity to gain exposure to a new, strategically important, and high-profile team within ING Wholesale Banking. We are looking for experienced credit professionals who have in-depth experience in monitoring loan covenants, financial spreading, risk rating, and credit reviews. The aim is to help shape the future processes within lending support across the entire global ING Wholesale Banking network. The role would suit candidates who want to begin or expand a career in corporate lending and credit analysis.

Who we're looking for:

• Bachelor's degree preferred - if possible, in Business, Accounting, Finance or Economics but can be in another discipline coupled with strong knowledge of accounting.
• Work experience should be in financial services involving corporate or institutional lending.
• Solid understanding of the financial statements of companies.
• We value resourcefulness, teamwork, and enthusiasm all of which might be demonstrated via your previous work experience or perhaps involvement in extracurricular activities.
• High level of attention to detail coupled with strong organisational and scheduling skills are important.
• Excellent written and spoken English communication skills.

You will be working with teams across multiple lines of business based in many different counties so strong communication skills are a must.

Main Responsibilities

• Analysing financial statements (Income Statement, Balance Sheet and Cash Flow Statement) of public and private companies and inputting the required data into various credit analysis systems.
• Screening the loan agreements and understanding the financial covenants applicable to the borrower.
• Preparation of various reports for lending teams across the globe for overdue ratings, covenants and financials - we want to be able to proactively help the lending teams resolve any issues before they may arise.
• Conducting background research independently to understand the broad drivers that guide various sectors in which the borrowers operate with a view to performing a brief risk assessment, resulting in an appropriate risk rating.
• You will tap into your credit, analytical, and technical skills while working collaboratively with your local and global peers and management teams.
• You will work with engaged managers and have exposure to global teams across all areas of Wholesale Banking (e.g., corporate, real estate, and financial institutions etc).

We're a global bank with a strong European base, and our more than 60,000 colleagues serve around 38 million customers and corporate clients in over 40 countries. Joining ING means working with friendly and collaborative people towards making a positive impact on people and planet. We believe in empowering the people around us and our customers to stay a step ahead. Working here means having the autonomy to drive progress, helping to create superior customer value and contributing to our ambition of putting sustainability at the heart of everything we do. Here, we're more than just a workplace - we're a community of innovators, problem-solvers, and forward-thinkers, dedicated to making a real impact. Whether you're just starting your career or seeking the next big challenge, we have opportunities that will inspire and push you to grow.

Your future at ING starts with one application.