Junior Credit Analyst

7 hours ago

Makati, Philippines ProCredit Financing Corp Full time

ProCredit is a tech-enabled SME lender led by a very seasoned team with over 50 years of combined experience at Citigroup, Standard Chartered, ANZ, and ADB—deeply rooted in emerging markets and SME lending. We’re on a mission to become the leading SME lender in the Philippines, using credit‑first engagement, data‑driven underwriting, and flexible, risk‑based lending to close the credit gap for growing businesses. We pay above market, value ambition, and offer fast‑moving paths to leadership positions for those hungry to make an impact. If you’re driven, growth‑minded, and ready to help reshape the future of Philippine lending—this is your moment. The Role As a Junior Credit Analyst , you will provide valuable support to the senior credit manager in making sound, data‑driven lending decisions while learning core credit principles and risk assessment techniques. Core Proficiency Ability to interpret financial statements (income statement, balance sheet, cash flow) and assess key ratios to evaluate a borrower's financial health. Understanding of credit principles and frameworks to identify and analyze risks related to clients’ repayment capacity and character. Precision in reviewing documents, validating data, and ensuring the accuracy of financial inputs and credit reports. Skill in collecting relevant qualitative and quantitative information (e.g., industry data, credit history, market trends) to support credit evaluations. Responsibilities Analyze financial statements and other relevant documents to determine credit risk. Prepare detailed reports and credit assessments for review by senior analysts. Assist in the evaluation of credit applications, ensuring adherence to company policies. Monitor and manage existing credit portfolios, identifying potential risks. Communicate with clients to gather necessary financial information and clarify detail to generate insights related to credit risks to support lending decisions. Collaborate with team members to improve processes and enhance risk assessment techniques. Stay updated on industry trends and regulatory changes with potential impacts on borrowers' financial performance. Requirements Strong willingness to learn, can‑do attitude, comfortable with V.U.C.A. Bachelor's degree in Finance, Accounting, Economics, or a related field. Previous experience in conducting financial analysis of SMEs, particularly in functions such as FP&A, credit strategy, and investments, is considered a plus but not required. Familiarity with banking products and lending systems, as well as established relationships within the lending units of financial institutions, is a strong advantage. Strong analytical skills with the ability to interpret financial data effectively. Proficiency in financial modeling and understanding of credit risk concepts. Excellent attention to detail and strong organizational skills. Effective communication skills, both written and verbal, to liaise with clients and team members. Ability to work independently as well as part of a collaborative team environment. Familiarity with credit analysis software and Microsoft Excel is preferred. Why Join Us? Above‑market compensation with performance incentives. Work with a high‑caliber team in a mission‑driven company. Shape the credit culture and standards of a fast‑growing fintech. Clear path to leadership roles as the business scales. #J-18808-Ljbffr

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