Senior Credit Analyst

1 day ago

Quezon City, National Capital Region, Philippines bf84843f-b713-4c26-82e6-9f5329f6accf Full time ₱900,000 - ₱1,200,000 per year

Shape Strategic Lending Outcomes Through In-Depth Financial Review

Focused on delivering competitive equipment financing, this organization relies on analytical accuracy and strong credit governance. They look beyond surface-level financials, offering structured lending solutions that support companies acquiring essential tools and machinery. Credit analysts who enjoy complex evaluations and strategic decision-making will find this role both impactful and rewarding.

Job Description

As a Senior Credit Analyst, you will lead credit evaluations by analyzing financial data, assessing creditworthiness, and underwriting commercial equipment finance agreements. Your insights support sound credit decisions, ensure transaction integrity, and contribute to strong, long-term lending relationships with mid-market businesses.

Job Overview

Employment type: Full-Time

Shift: Night Shift

Work setup: Onsite, Quezon City

Exciting Perks Await

  • Day 1 HMO coverage with free dependent
  • Competitive Salary Package
  • Night differential pay to maximize your earnings
  • Prime office location in Quezon City (Easy access to MRT stations, restaurants, and banks)
  • Unlimited upskilling through Emapta Academy courses (Want to know more? Visit )
  • Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
  • Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
  • Unlimited opportunities for employee referral incentives across the organization
  • Standard government and Emapta benefits
  • Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
  • Fun engagement activities for employees
  • Mentorship and exposure to global leaders and teams
  • Career growth opportunities
  • Diverse and supportive work environment

The Qualifications We Seek

  • 5+ years in commercial equipment finance or lease underwriting
  • Strong knowledge of heavy equipment and collateral-based lending
  • Expertise in financial analysis, including balance sheets, P&L, cash flow, projections
  • Skilled in credit underwriting metrics (EBITDA, DSCR, leverage, ratios)
  • Strong business judgment and analytical discipline
  • BA/BS in Business or related field (MBA a plus)
  • Excellent communication skills; fluent in English
  • Proficient in Excel and MS Office; AI/ChatGPT knowledge a plus
  • Ability to work independently and problem-solve effectively

Your Daily Tasks

  • Conduct credit reviews and analyze net income, debt service coverage, bank transactions, financial history, earnings, depreciation, and EBITDA
  • Prepare Credit Approval Memorandums for commercial equipment finance agreements and leases
  • Provide creditworthiness analysis and recommend optimal transaction structures
  • Complete security perfection searches and perform Suits, Liens, and Judgments checks to confirm collateral security
  • Research and validate equipment value using online resources
  • Pull and analyze personal credit reports and Paynet data
  • Collaborate with Sales Coordinators and senior credit leadership
  • Ensure complete and accurate credit approval documentation before funding
  • Mentor and train junior credit analysts to promote continuous improvement and risk mitigation
  • Embrace change and improve underwriting quality

About the Client

Our client is a direct private lender offering innovative equipment financing solutions tailored to mid-sized businesses. By combining traditional financial expertise with agile decision-making, they provide flexible capital and long-term relationships-not just transactions. Known for prioritizing customer success and building lasting partnerships, their focus is on delivering real value through custom finance strategies and outstanding service.

Who Are We

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta offers stability and dynamic career paths. Here, your potential is unlocked with global clients, competitive pay, and a collaborative culture rooted in innovation. Step into a workplace that invests in your personal and professional journey.

Apply now and be part of the #EmaptaEra

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