Jr. Credit Analyst

2 days ago

Makati City, National Capital Region, Philippines ProCredit Financing Corp Full time

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.

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