Senior Credit Analyst

ING Hubs Philippines; Metro Manila; On-site; PHP 600,000 - 900,000; Full time

Job summary

ING Bank NV is seeking an intermediate credit analyst to monitor loan covenants, perform financial spreading, assess risk, and deliver credit reviews. The role supports ING Wholesale Banking across global teams and aims to deepen expertise in corporate lending and credit analysis.

Candidates should have 3–5 years of relevant experience, strong English communication, and a solid grasp of financial statements.

Qualifications

• Bachelor’s degree preferred in business, accounting, finance or economics with strong accounting knowledge.
• Experience in financial services focusing on corporate or institutional lending is required.
• Solid understanding of company financial statements is expected.
• Demonstrated resourcefulness, teamwork and enthusiasm through work or extracurricular activities.
• High attention to detail with strong organizational and scheduling skills; English communication is essential.

Responsibilities

• Analyze financial statements (income statement, balance sheet, cash flow) of public and private companies and input data into credit analysis systems.
• Screen loan agreements and understand applicable financial covenants for borrowers.
• Prepare reports for lending teams worldwide on ratings, covenants, and financials.
• Conduct background research to perform risk assessment and assign appropriate risk ratings.
• Collaborate with local and global peers and management using credit and analytical skills.
• Work with global Wholesale Banking teams across corporate, real estate, and financial institutions.

Skills

Credit analysis

Financial statements

Attention to detail

English communication

Teamwork

Education

Bachelor's degree

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).