Credit and Financial Analyst (D.Tuazon, Quezon City)

Duties and Responsibilities

Financial Statement Analysis

Coordinate with Industrial Specialists (IS) to ensure timely submission of the latest financial documents of existing accounts.

Analyze audited financial statements and accurately classify financial accounts using prescribed spreadsheets.

Interpret and evaluate key financial ratios, including profitability, liquidity, leverage, and efficiency ratios, in relation to industry performance and existing credit facilities.

Prepare comprehensive financial analysis reports and provide recommendations on appropriate credit lines, payment terms, or additional collateral requirements such as Standby Letters of Credit (SBLCs).

Present and explain financial analysis findings and recommendations during Credit Committee (CRECOM) meetings.

Monitoring of Existing Standby Letters of Credit (SBLCs)

Maintain an updated and accurate consolidated database of all active SBLCs.

Coordinate with Industrial Specialists regarding upcoming SBLC expirations and issue advisories at least two (2) months before maturity.

Notify the assigned Credit Analyst immediately when SBLCs will not be renewed to facilitate credit exposure monitoring.

Prepare monthly monitoring reports on SBLC status and renewals.

Credit Operations Support

Assist in the enrollment of new accounts, validation of documentary requirements, and conduct credit investigations.

Support the Billing and Collection Unit in CWT tagging and Collection Receipt (CR) transmittals.

Assist the Credit Evaluation Unit in processing Sales Orders and Credit Evaluations (CE).

Perform other credit and administrative tasks as assigned by management.

Reports

Prepare Daily/Monthly Financial Statement Analysis Reports.

Prepare Monthly SBLC Monitoring Reports.

Generate Other Reports As May Be Required By Management.

Job Specifications

Minimum Education Required

Bachelor's Degree in Accountancy, Finance, Business Administration, Economics, Banking and Finance, Management, or any related field.

Minimum Relevant Work Experience Required

At least

2–3 years

of relevant experience in credit analysis, financial analysis, credit evaluation, accounts receivable, lending, banking, or related functions.

Experience in financial statement analysis and credit risk assessment is preferred.

Experience in the petroleum, oil and gas, logistics, banking, or commercial industry is an advantage.

Other Competencies Required By The Job

Strong knowledge of financial statement analysis and financial ratio interpretation.

Knowledge of credit evaluation, credit investigation, and risk assessment.

Understanding of Accounts Receivable management and collection processes.

Knowledge of Standby Letters of Credit (SBLC) administration is an advantage.

Analytical and critical thinking skills.

Attention to detail and high level of accuracy.

Problem-solving and decision-making skills.

Excellent written and verbal communication skills.

Good interpersonal and coordination skills.

Proficiency in Microsoft Excel and other Microsoft Office applications.

Ability to prepare reports and present financial analyses to management.

Strong organizational and time management skills.

Ability to work independently and collaboratively in a team environment.