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Credit Analyst

12/6/2025

The Credit Analyst is responsible for conducting credit evaluations on corporate banking accounts and performing regular credit reviews of assigned portfolios. They also prepare comprehensive executive summaries that include financial analysis and risk assessments.

Working Hours

40 hours/week

Company Size

10,001+ employees

Language

English

Visa Sponsorship

About The Company

BDO is a full-service universal bank in the Philippines. It provides a complete array of industry-leading products and services including Lending (corporate and consumer), Deposit-taking, Foreign Exchange, Brokering, Trust and Investments, Credit Cards, Corporate Cash Management, and Remittances in the Philippines. Through its local subsidiaries, the Bank offers Leasing and Financing, Investment Banking, Private Banking, Rural Banking, Life Insurance, Insurance Brokerage, and Stock Brokerage services. BDO's institutional strengths and value-added products and services hold the key to its successful business relationships with customers. Its branches remain at the forefront of setting high standards as a sales- and service-oriented, customer-focused force. BDO has one of the largest distribution networks, with more than 1,600 operating branches and over 4,500 ATMs nationwide. Through selective acquisitions and organic growth, BDO has positioned itself for increased balance sheet strength and continuing expansion into new markets. As of 30 June 2022, BDO is the country's largest bank in terms of total resources, customer loans, deposits, and assets under management. BDO is a publicly listed company (PLC), with its shares currently being traded at the Philippine Stock Exchange under the symbol “BDO”. BDO Unibank is regulated by the Banko Sentral ng Pilipinas. https://www.bsp.gov.ph For concerns, please visit any BDO branch near you or reach us through any of the channels listed in the Consumer Assistance page of our website: https://www.bdo.com.ph/consumer-assistance. Deposits are insured by PDIC up to P1 Million per depositor. The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.

About the Role

Job Summary

He/She is primarily responsible for the credit evaluation of the Bank's corporate risk assets across bank products (e.g. loans, LC's, Trust, Treasury,etc.). He/She ensures that the highest standards of credit due diligence is conducted on all Corporate (CorBank) or Commercial Banking (ComBank) accounts with credit facilities as documented via the Executive Summary and Credit Proposal.

Responsibilities

Ensures credit evaluation is applied on all corporate banking accounts
Conducts regular and timely credit review of the assigned portfolio of corporate and commercial borrowing accounts
Provides a comprehensive executive summary which includes brief company background,business outlook,historical and projected financial analysis, key risks and mitigating factors, and assessment of the financing package and recommendation
Compiles industry indices and financial benchmarks to evaluate performance of borrowers vis-a-vis the industry
Joins the account officer in client calls to get inputs for business reviews

Qualifications

Bachelor's Degree in any of the following: Business / Finance / Accounting / Management / Economics / Statistics / Applied Math
Strong Financial Analysis, Profit and Loss and Cashflow Analysis skills required
Experience in credit evaluation for corporate and commercial account gained from a bank or financial institution is an advantage, but not required
Experience in Credit / Accounting / Comptrollership / Finance
Certified Public Accountant (CPA) or Chartered Financial Analyst (CFA) is an advantage, but not required
Fresh graduates with good academic and extra-curricular background are encouraged to apply
Must be willing to work onsite and be assigned in Makati/Binondo/Ortigas

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability. Requisition ID: 24817

Key Skills

Financial AnalysisProfit and Loss AnalysisCashflow AnalysisCredit EvaluationAccountingFinanceBusiness AnalysisRisk AssessmentIndustry BenchmarkingClient InteractionExecutive Summary PreparationCredit Proposal DevelopmentPortfolio ManagementData AnalysisCommunication SkillsTeam CollaborationProblem Solving