Deskripsi Pekerjaan
China Bank Savings is seeking a meticulous and analytical Senior Credit Analyst to join our growing team in Makati City. In this pivotal role, you will be the backbone of our SME lending operations, ensuring that our credit portfolio remains healthy while providing essential financial solutions to small and medium enterprises. You will be responsible for the end-to-end evaluation process, performing deep-dive financial analysis, and ensuring that every application aligns with our internal risk appetite and regulatory requirements.
We are looking for a professional who thrives in a fast-paced environment and possesses a sharp eye for detail. You will be expected to maintain clear communication regarding the status of SME accounts, identify potential credit risks, and suggest policy improvements to mitigate exposure. If you are a seasoned financial expert with a passion for banking excellence and risk management, we invite you to help us drive the future of SME financing at China Bank Savings.
Tanggung Jawab
- Conduct thorough financial statement analysis and credit due diligence for diverse SME loan applications.
- Monitor and provide timely updates on the evaluation status of SME accounts to stakeholders.
- Identify, document, and report potential credit risks and deviations from existing credit policies.
- Prepare comprehensive credit recommendation reports for management and credit committees.
- Collaborate with relationship managers to clarify financial data and resolve account-related inquiries.
- Ensure strict compliance with BSP regulations and internal bank credit policies.
- Participate in periodic portfolio reviews to maintain asset quality and identify early warning signs of default.
Kualifikasi
- Bachelor’s Degree in Finance, Accountancy, Economics, or a related business field.
- Minimum of 3-5 years of professional experience in credit analysis, specifically within SME or Corporate banking.
- Strong analytical skills with the ability to interpret financial ratios, cash flow statements, and balance sheets.
- In-depth knowledge of local banking regulations and credit risk assessment methodologies.
- Excellent verbal and written communication skills for effective reporting and stakeholder management.
- Proficiency in MS Office Suite, particularly Excel for financial modeling and data analysis.
- Highly organized, detail-oriented, and capable of working under strict deadlines.