Credit Analyst

CREDIT ANALYST
TPC Energy Corporation
Location: BGC, Taguig City
Department: Finance & Accounting
Employment Type: Full-time

POSITION OVERVIEW

The Credit Analyst is responsible for evaluating customer creditworthiness, monitoring credit exposure and accounts receivable, and supporting effective credit risk management. The role ensures that customer credit decisions are aligned with company policies while maintaining healthy receivables and minimizing credit losses.

KEY RESPONSIBILITIES

1. Credit Assessment & Risk Management

• Evaluate the creditworthiness and financial capacity of new and existing customers.
• Review financial statements, credit history, payment behavior, and other relevant financial information.
• Conduct financial analysis, including liquidity, leverage, profitability, and working capital assessment.
• Recommend appropriate credit limits, payment terms, credit holds, or other risk-mitigation measures.
• Conduct periodic credit reviews and recommend adjustments based on changes in customer risk profiles.
• Ensure compliance with established credit policies and approval authorities.

2. Accounts Receivable & Credit Monitoring

• Monitor customer credit exposure against approved credit limits.
• Review accounts receivable aging reports and identify overdue and high-risk accounts.
• Monitor DSO, past-due balances, over-limit accounts, and payment trends.
• Coordinate with Sales and Finance teams regarding outstanding balances and credit concerns.
• Identify accounts requiring escalation or collection action.

3. Billing & Account Reconciliation

• Review billing-related concerns that may affect customer receivables.
• Investigate discrepancies, credit notes, adjustments, and disputed invoices.
• Coordinate with concerned departments to resolve billing and collection issues.
• Support accurate reconciliation of customer accounts and receivable balances.

4. High-Risk Account Management

• Identify customers showing signs of financial deterioration or chronic delinquency.
• Analyze the potential financial exposure associated with high-risk accounts.
• Recommend appropriate risk-mitigation measures, including payment arrangements,

Pay: Php40,000.00 - Php50,000.00 per month

Benefits:

• Health insurance
• Life insurance
• Staff meals provided

Work Location: In person