Credit Analyst (Start ASAP)

How will you contribute?

• Evaluate the creditworthiness of all borrowing accounts.
• Ensures availability of individual credit risk rating of all accounts.
• Ensures timeliness in risk rating the accounts by subjecting credit exposures to rating. Accounts subject to risk rating are reviewed annually co-terminus with the expiry of the credit facilities.
• Conducts validation of cash flow projection for project financing and term loan proposal through review of cash flow projections and sensitivity analysis to determine viability and payment capacity of the project.
• Keeps abreast of updates on the Bank and BSP policies as stipulated in the Anti-Money Laundering and Terrorist Financing Prevention Program (MLPP) through circulars, required seminars/programs and adheres to said policies.
• Assists the Department Head in examining the Credit Application of accounts through the identification of risk areas, proper packaging and compliance with policies bulletins and regulatory requirements. Findings on any related deviations shall form part of the credit review report.
• Joins calls on clients engaged in critical industries/businesses to identify vulnerabilities and risk areas in order to make valid and intelligent recommendations.

What will make you successful:

• Bachelor's Degree in Economics, Accounting, Management, Business Administration, Financial Management, or other finance-related courses.
• Assertive and self-confident; good supervisory and people-management skills; multi-tasking capacity; good analytical/auditing skills; excellent oral and written communication skills; proficient in basic MS Office applications.
• With knowledge in account management or credit review, evaluating credit proposals, validating/analyzing financial statements, and generating risk ratings of individual borrowers.
• Good oral and written communication skills. Self-confident. Possesses leadership qualities.