SME Credit Analyst: Risk & Analysis

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

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