Commercial Credit Analyst

4 days ago

Manila, National Capital Region, Philippines Three Peaks International Full time $104,000 - $130,878 per year

About the Role

Three Peaks International is actively seeking a Commercial Credit Analyst to support the expansion of its offshore credit operations. The role is integral to our middle-office delivery team, assisting with the assessment and processing of complex commercial and residential loan applications for the Australian financial market.

This is not a static role — we are looking for successful candidate who brings not only technical credit knowledge but also leadership potential. The position offers a strong possibility to promotional review for Operations Manager should the requirements and performance-based targets are met. The Operations Manager role requires the candidate to travel in Australia in periodic basis to oversee all team and work with Managing Director and Chief of Staff.

About Three Peaks International

Three Peaks International is a strategic offshore solutions provider, supporting Australian financial institutions with high-quality operational delivery. We focus on building long-term, high-performance teams by providing structured career growth, leadership development, and cross-border collaboration.

This role presents a compelling opportunity for candidates who have experience in commercial lending, credit risk analysis, or corporate banking, and are now looking to step into an international environment with long-term leadership prospects.

Key Responsibilities

  • End-to-end preparation of Commercial & Complex Residential Loan Applications
  • Basic to intermediate Excel modelling and financial data analysis
  • Lender and credit policy research across multiple Australian banks and non-bank lenders
  • Draft scenarios and workshop summaries for credit presentations
  • Prepare detailed emails and letters of advice
  • Conduct due diligence on personal and business entities
  • Perform credit and financial statement analysis

  • Manage and adapt various credit and feasibility models including:

  • Standard & Customised Serviceability Calculators

  • Lease Doc (Commercial Property Investment)
  • Property Development Feasibility Models (Simple to Complex)
  • Three-way Cash Flow Forecasting
  • Leveraged Buyout (LBO) Models
  • Discounted Cash Flow (DCF) Analysis
  • Maintain precise document and file management systems

Candidate Profile

We are looking for a financially literate, analytical, and detail-oriented professional with a strong commitment to delivering high-quality credit work. Ideal candidates may include:

  • Accountants with 2–3 years' experience
  • Experienced bankers, credit managers, or credit analysts
  • Professionals seeking a career shift into the Australian financial services industry

Required Skills & Qualifications

  • Intermediate+ Excel proficiency, including formula creation and data modelling
  • Strong understanding of accounting fundamentals; CA or CPA qualification highly regarded
  • Excellent written and verbal communication skills in English
  • Proactive problem solver with strong analytical acumen
  • Service and client-oriented mindset
  • High attention to detail with the ability to work independently and deliver quality output
  • Unwavering integrity and trustworthiness

Preferred Attributes (Nice to Have)

  • Exposure to or strong interest in Australian business culture
  • Previous experience supporting Australian credit or lending teams
  • Familiarity or affinity with small business or property development sectors

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