Junior Credit Analyst

REQ-10119983
24/08/2026
Customer Operations
Makati City, Philippines
ING Hubs

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You'll gain:

Exposure to global lending teams and international markets
Hands-on experience in credit analysis and risk assessment
Opportunities to work with experienced managers and credit professionals
A strong foundation for a long-term career in corporate banking and credit risk
Experience supporting a diverse range of industries and client segments

What You'll Do

In this role, you will:

Analyze financial statements, including Income Statements, Balance Sheets, and Cash Flow Statements, for public and private companies
Input and maintain financial data in various credit analysis systems
Review loan agreements and identify relevant borrower financial covenants
Monitor covenant compliance and support ongoing lending activities
Prepare reports on overdue ratings, covenant monitoring, and financial submissions for lending teams globally
Conduct independent background research on industries and borrowers to support risk assessments
Assist in determining appropriate risk ratings based on financial and qualitative analysis
Support proactive identification of potential risks and emerging issues
Collaborate with international stakeholders across multiple Wholesale Banking business lines, including Corporate Banking, Real Estate Finance, and Financial Institutions

Who We're Looking For

Qualifications

Bachelor's degree in Business, Accounting, Finance, Economics, or a related field
Candidates from other disciplines with strong accounting knowledge are encouraged to apply
Fresh graduates and candidates with up to two years of relevant experience are welcome
Experience in corporate lending, institutional lending, financial services, or credit-related functions is an advantage

Skills & Attributes

Strong understanding of financial statements and financial analysis
Excellent analytical and problem-solving abilities
High attention to detail and commitment to accuracy
Strong organizational and time-management skills
Excellent written and verbal English communication skills
Ability to work effectively with stakeholders from different countries and cultures
Resourceful, proactive, and eager to learn
Strong team player with a positive and collaborative mindset

What Success Looks Like

You thrive in this role if you:

Enjoy analyzing financial information and identifying key insights
Have a natural curiosity about businesses, industries, and economic trends
Can balance accuracy, efficiency, and attention to detail
Are motivated to develop expertise in lending, credit risk, and corporate banking
Enjoy working in a fast-paced, international environment

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ING Recruitment team

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ING’s vision is to unlock our people’s full potential through our inclusive culture where everyone has the opportunity to develop and have impact for our customers and society. To achieve this vision, our policies support diversity, equity, and inclusion. As an equal opportunity employer, we do not tolerate discrimination of any kind with regard to age, gender, gender identity, cultural background, experience, religion, race, ethnicity, disability, family responsibilities, sexual orientation, social origin, or any other status protected by applicable law. If you require any assistance or if we can accommodate you in any way when participating in our application and/or interview process, please email the recruiting contact listed for the relevant position. We will be happy to work with you to ensure a fair and accessible process. Read more about our commitment to diversity, inclusion and belonging here.