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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Questions? Just ask
ING Recruitment team

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Chez ING, nous voulons libérer tout le potential de nos collaborateurs, grâce notamment à une culture inclusive où tout le monde peut se développer et avoir un impact sur nos clients et sur la société. Nous veillons à ce que la diversité, l'équité et l'inclusion soient prioritaires. En tant qu'employeur souscrivant au principe de l'égalité des chances, nous ne tolérons aucune forme de discrimination, qu’elle soit liée à l'âge, au sexe, à l'identité sexuelle, à l'origine culturelle, à l'expérience, à la religion, à la race, à l'origine ethnique, au handicap, aux responsabilités familiales, à l'orientation sexuelle, à l'origine sociale ou à tout autre statut protégé par la législation. Si vous avez besoin d'aide lors du processus de candidature et/ou d'entretien, veuillez contacter le (la) recruteur(se) du poste concerné. Nous serons heureux de vous accompagner pour garantir un processus équitable et accessible. Apprenez-en plus sur notre engagement en faveur de la diversité, de l’inclusion et de l’appartenance.