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Jr. Credit Analyst
2 weeks ago
About Us
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 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.
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- Experience in accounting is a plus.
- 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.