Senior Credit Analyst

About the Position

We are looking for a Senior Credit Analyst to join our team at ING Bank NV in Makati City, Philippines. This role offers an ideal opportunity to gain exposure to a new, strategically important, and high-profile team within ING Wholesale Banking. We are looking for experienced credit professionals who have in-depth experience in monitoring loan covenants, financial spreading, risk rating, and credit reviews. The aim is to help shape the future processes within lending support across the entire global ING Wholesale Banking network.

Responsibilities

• Analyzing financial statements (Income Statement, Balance Sheet, and Cash Flow Statement) of public and private companies and inputting the required data into various credit analysis systems.
• Screening loan agreements and understanding the financial covenants applicable to the borrower.
• Preparation of various reports for lending teams across the globe for overdue ratings, covenants, and financials.
• Conducting background research independently to understand the broad drivers that guide various sectors in which the borrowers operate, resulting in an appropriate risk rating.
• Collaborating with local and global peers and management teams to tap into your credit, analytical, and technical skills.
• Working with engaged managers and having exposure to global teams across all areas of Wholesale Banking (e.g., corporate, real estate, and financial institutions, etc).

Requirements

• Bachelor’s degree preferred - if possible, in Business, Accounting, Finance, or Economics but can be in another discipline coupled with strong knowledge of accounting.
• Work experience should be in financial services involving corporate or institutional lending.
• Solid understanding of the financial statements of companies.
• Resourcefulness, teamwork, and enthusiasm demonstrated via your previous work experience or perhaps involvement in extracurricular activities.
• High level of attention to detail coupled with strong organizational and scheduling skills.
• Excellent written and spoken English communication skills.

We Offer

• Opportunity to work in a global bank with a strong European base.
• Exposure to a new, strategically important, and high-profile team within ING Wholesale Banking.
• Collaborative work environment with global teams.
• Professional growth and development opportunities.

About the Company

ING Bank NV is a global bank with a strong European base. Our more than 60,000 employees serve around 37 million customers, corporate clients, and financial institutions in over 40 countries. Our purpose is to empower people to stay a step ahead in life and in business.

At ING, we create a culture where everyone can grow and make a difference – for our customers and the society. Diversity, equality, and inclusion are fundamental to us. We do not tolerate any form of discrimination based on age, gender, gender identity, cultural background, experience, religion, origin, disability, family obligations, sexual orientation, or any other reason. If you need support during the application process or interviews, please contact us via the email address provided in the job posting. We are here to help ensure a fair and smooth process.

Learn more about our commitment to Diversity, Inclusion & Belonging.