Evaluate the creditworthiness of SME loan applicants by analyzing financial statements, credit reports, and other relevant information
Assess the risk profiles of applicants, identifying potential risks and mitigating factors
Conduct comprehensive due diligence on borrowers to ensure compliance with regulatory requirements and company policies
Collaborate with cross-functional teams to gather information and develop a comprehensive understanding of borrowers' businesses and financial positions
Prepare credit assessments and recommendations for loan approvals or declines, based on sound judgment and adherence to credit policies
Maintain accurate and up-to-date records of loan applications and credit decisions
Continuously monitor and review the credit quality of existing borrowers
Contribute to the development and enhancement of credit underwriting processes and systems

**Essential: **Bachelor's degree in Business, Finance, Accounting, Economics, or a related field
Excellent analytical skills with the ability to interpret financial statements and assess creditworthiness
Strong attention to detail and the ability to handle multiple tasks in a fast-paced environment
Excellent communication and interpersonal skills, with the ability to work collaboratively
Strong problem-solving skills and the ability to make sound decisions
Proficient in Microsoft Excel and other MS Office applications
Ability to work independently and meet tight deadlines
Desire to learn and develop a career in credit underwriting and risk assessment

PHP 25-30k per month depending on experience level, plus bonus incentives for strong performance
Highly competitive perks & benefits, including HMO coverage from day one, free catered lunches, MacBook Air provided, monthly fitness allowance, transportation & accommodation allowance, and more
Hybrid work set-up: 2 days per week in BGC office
Join a team with a deeply collaborative culture
expect support, feedback and friendship

Risk Operations Analyst, Business Fresh Graduates 2026

Key skills