SME Credit Analyst

Private Advertiser; Mandaluyong; On-site; PHP 600,000 - 800,000; Full time

Job summary

A confidential financial services organization is seeking an SME Credit Analyst to support assessment, approval, and ongoing monitoring of credit facilities for SMEs. The role involves detailed financial analysis, risk assessment, and collaboration with Relationship Management, Business Banking, and Risk teams to ensure sound lending decisions.

Responsibilities span credit assessment, due diligence, memos, and ongoing portfolio monitoring, with emphasis on risk mitigation and regulatory

Qualifications

• Bachelor's degree in Finance/Accounting/Economics/Business Administration or related.
• 2–5 years in credit analysis, commercial banking, SME lending, or related credit function.
• Proficient in financial statement analysis, cash flow assessment, and credit proposal preparation.

Responsibilities

• Review SME loan applications, financial statements, and supporting documentation.
• Assess borrowers' financial position, cash flow, profitability, leverage, liquidity, and repayment capacity.
• Prepare comprehensive credit assessments, memoranda, and clear recommendations.

Skills

Financial statement analysis

Cash flow analysis

Credit risk assessment

Credit proposal preparation

Portfolio monitoring

Stakeholder management

Education

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

CPA, CFA, FRM or recognized credit-related certifications

Tools

Microsoft Excel

Job description

About the Role

A confidential financial services organization is seeking an SME Credit Analyst to support the assessment, approval, and ongoing monitoring of credit facilities for small and medium-sized enterprises.

The role is responsible for conducting comprehensive financial and credit analysis, identifying key credit risks, preparing well-supported credit recommendations, and monitoring portfolio performance. The successful candidate will work closely with Relationship Management, Business Banking, and Risk teams to support sound and commercially viable lending decisions while ensuring compliance with internal policies and applicable regulatory requirements.

Key Responsibilities

1. Credit Assessment & Analysis

• Review and analyze SME loan applications, financial statements, and supporting documentation.

• Assess borrowers' financial position, cash flow, profitability, leverage, liquidity, and overall repayment capacity.

• Perform financial spreading, ratio analysis, cash flow analysis, and other relevant credit assessments.

• Evaluate the purpose of financing and the adequacy and sustainability of proposed repayment sources.

• Identify key credit risks, strengths, weaknesses, and mitigating factors for each credit proposal.

• Apply appropriate credit risk assessment, rating, and scoring methodologies.

2. Due Diligence

• Conduct background and credit checks on borrowers, business owners, guarantors, and other relevant parties.

• Assess industry dynamics, competitive positioning, market conditions, and economic factors that may impact the borrower's business.

• Validate business operations, management capabilities, ownership structure, and sources of income.

• Conduct or support site visits, when required, to validate business activities, assets, and operating conditions.

• Identify potential red flags and recommend appropriate risk mitigation measures.

3. Credit Memorandum & Recommendation

• Prepare comprehensive and well-structured credit assessment reports and credit memoranda.

• Develop clear, objective, and commercially sound credit recommendations for approval.

• Present credit findings and recommendations to designated credit approvers and/or credit committees.

• Support the structuring of loan facilities based on customer requirements, repayment capacity, and risk profile.

• Recommend appropriate collateral, covenants, conditions, and other credit risk mitigants.

4. Portfolio Monitoring

• Monitor existing SME loan accounts and assess ongoing financial and credit performance.

• Review periodic financial statements, management accounts, account conduct, and covenant compliance.

• Identify early warning indicators, emerging risks, and signs of potential credit deterioration.

• Recommend appropriate corrective or preventive actions for accounts exhibiting increased risk.

• Support portfolio reviews and initiatives aimed at maintaining sound credit quality.

5. Risk Management & Compliance

• Ensure credit assessments and recommendations are aligned with internal credit policies, risk appetite, and applicable regulatory requirements.

• Maintain complete, accurate, and up-to-date credit documentation and records.

• Support internal and external audit activities and respond to credit-related findings or information requests.

• Escalate material credit concerns and potential policy exceptions through appropriate channels.

• Contribute to initiatives designed to maintain portfolio quality and minimize credit losses.

6. Stakeholder Management

• Partner closely with Relationship Managers, Business Banking teams, Risk, and other relevant stakeholders throughout the credit process.

• Provide credit guidance and analytical support to business development and relationship teams.

• Communicate credit findings, risks, conditions, and recommendations clearly to stakeholders.

• Balance commercial objectives with prudent credit risk management.

• Manage multiple credit applications and priorities while meeting established turnaround times.

JOB QUALIFICATIONS

Education

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related discipline.

• Professional certifications such as CPA, CFA, FRM, or recognized credit-related certifications are an advantage.

Experience

• 2–5 years of relevant experience in credit analysis, commercial banking, business banking, SME lending, or a related credit function.

• Demonstrated experience in financial statement analysis, cash flow assessment, and credit proposal preparation.

• Working knowledge of SME lending products, credit processes, and loan structuring.

• Experience in portfolio monitoring and early identification of credit risks is an advantage.

Technical Skills

• Strong financial statement and credit analysis capabilities.

• Proficiency in cash flow analysis and repayment capacity assessment.

• Knowledge of credit risk assessment, risk rating, and credit scoring methodologies.

• Ability to perform financial modeling, forecasting, and scenario analysis.

• Strong understanding of lending principles, credit documentation, and risk mitigation.

• Advanced proficiency in Microsoft Excel and other financial analysis tools.

Behavioral Competencies

• Strong analytical, critical thinking, and problem-solving skills.

• High attention to detail with a strong focus on accuracy and quality.

• Strong written and verbal communication skills.

• Ability to present and defend credit recommendations using clear, evidence-based analysis.

• Strong stakeholder management and collaboration skills.

• Sound judgment and ability to balance business considerations with credit risk principles.

• Ability to work effectively under tight deadlines and manage multiple credit applications simultaneously.

Performance in this role may be measured through:

• Accuracy and quality of credit assessments and recommendations

• Credit review and application turnaround time

• Portfolio quality, delinquency, and default indicators

• Compliance with internal credit policies and regulatory requirements

• Audit findings and quality of credit documentation

• Productivity and volume of credit applications processed

• Quality and timeliness of portfolio monitoring and early risk identification

Confidentiality Notice

This is a confidential search. Further details regarding the organization, business structure, compensation package, and other employment information will be discussed with shortlisted candidates during the recruitment process.