Senior Credit Analyst - Banking Background

About Buildfund

Buildfund is a growing funding business that provides finance solutions to businesses and is entering an exciting period of expansion.

With a significant new funding line secured and additional capital being injected into the business, Buildfund is rapidly building its team to support a major growth push towards the end of the year.

We are looking for an experienced Senior Credit Analyst with a strong banking background to play a key role in assessing credit applications, managing risk, and supporting sound lending decisions.

Senior Credit Analyst
As a Senior Credit Analyst, you will assess the creditworthiness of prospective borrowers and make informed recommendations based on financial information, business performance, credit history, and overall risk profile.

Key Responsibilities

• Assess and analyse credit applications and supporting financial information.
• Review financial statements, bank statements, cash flow, and other relevant documentation.
• Assess borrower financial performance, repayment capacity, and overall risk.
• Identify credit risks, inconsistencies, and potential red flags.
• Prepare clear and well-supported credit recommendations.
• Conduct due diligence and verify information provided by applicants.
• Maintain accurate credit assessment records and documentation.

What We're Looking For

• 3–5 years of experience in credit analysis, credit assessment, or lending.
• Strong banking background, preferably in commercial lending, SME lending, business banking, or credit risk.
• Strong understanding of credit assessment and lending risk.
• Ability to analyze financial statements and assess business financial health.
• Strong understanding of cash flow, debt servicing capacity, profitability, and liquidity.
• Strong communication skills, analytical skills and attention to detail.
• Ability to work independently and make sound credit recommendations.

Highly Desirable

• Experience assessing SME or commercial lending applications.
• Experience with business loans, working capital facilities, asset finance, or similar lending products.
• Experience helping develop or improve credit policies and processes.
• Exposure to credit decisioning systems or lending platforms.

What Buildfund Offers

• PHP 50,000–55,000 monthly salary, depending on experience and capability.
• Salary increase after 6 months probation
• HMO coverage after 30 days.
• 5:45 AM – 2:45 PM PH shift.
• Fully remote work.
• Ongoing learning and professional development.