Deskripsi Pekerjaan
Are you a detail-oriented finance professional looking to make a meaningful impact in the agricultural sector? Agribusiness Rural Bank, Inc. is seeking a highly analytical and motivated Credit Analyst to join our team in Ortigas, Metro Manila. In this role, you will be the backbone of our lending operations, ensuring that our credit portfolio remains healthy while supporting the growth of our agribusiness clients.
As a Credit Analyst, you will evaluate the creditworthiness of loan applicants, conduct thorough risk assessments, and prepare detailed financial reports to guide decision-making processes. You will collaborate closely with our loan officers and management to mitigate credit risk while fostering financial inclusion in rural communities. If you possess a keen eye for numbers, a solid background in financial statement analysis, and a commitment to professional integrity, we invite you to grow your career with us.
Tanggung Jawab
- Perform comprehensive credit risk assessments for prospective agricultural and business loan applicants.
- Analyze financial statements, balance sheets, and cash flow projections to determine repayment capacity.
- Conduct site visits and field inspections to verify the authenticity of business operations and collateral.
- Prepare concise, evidence-based credit investigation reports for the Credit Committee.
- Monitor the performance of existing loan accounts and proactively identify potential credit risks.
- Ensure full compliance with BSP regulations and internal bank credit policies.
- Maintain an updated database of financial benchmarks and industry-specific credit trends.
Kualifikasi
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 2 years of experience in credit analysis, loan processing, or financial auditing, preferably in the banking sector.
- Strong analytical skills with proficiency in interpreting complex financial data.
- Excellent verbal and written communication skills for professional report writing.
- Advanced proficiency in Microsoft Excel and financial modeling tools.
- Ability to work independently and manage multiple loan applications under tight deadlines.
- Understanding of the agricultural lending landscape in the Philippines is a significant advantage.