Credit Analyst

Job Summary

• Provides independent evaluation of credit proposals by validating financial statements and generating risk rating of individual borrowers.
• Prepares credit management reports needed by BSP and other external parties in their review of the bank's credit management controls. External parties include investors as IFC, Rating agencies such as Moody's, Fitch and S&P and external auditors such as Punong Bayan and SGV. Failure to pass their standards/evaluation may result in monetary penalties, sanctions, downgrade in rating and loss of bank's capital.

How will you contribute?

• Evaluates creditworthiness of all borrowing accounts above P1OM except those with secured 1:1, Bills Purchase and counterparty credit lines, through an evaluation of financial statements, management competence and industry condition and prospects, to serve as a management tool for credit decisions and basis of valuation reserves to comply with BS...