Junior Credit Analyst

Our Company
At DOXA, we are dedicated to connecting businesses with top-tier talent across various industries. Our mission is to deliver innovative solutions that drive exceptional outsourcing services, enabling companies to expand their teams and grow their operations seamlessly.
What sets DOXA apart is our commitment to fostering a vibrant and supportive team culture. Join us and be part of a culture that prioritizes your happiness and well-being, ensuring you thrive both personally and professionally.

The Role:
We're seeking a detail-oriented and analytical Junior Credit Analyst. This role is designed for someone with prior business credit experience who understands business tax returns and financial statements and can translate financial analysis into clear credit memos.
You'll play a key role in supporting the Senior Credit Analyst throughout the business credit, SBA, and commercial lending process, handling financial spreading, preliminary credit analysis, and file quality control.

Location: Must be in The Philippines – Remote.
Environment: Philippines and International Teams.
Language: Advanced English (B2+ - C1).
Time zone: Monday to Friday – 9 AM to 6 PM EST
Contract: Full Time

Requirements:

• Education: Bachelor's degree in Finance, Accounting, Business, Economics, or a related field preferred.
• Experience: 1-3 years of experience in business credit, commercial credit, business lending, credit analysis, or related underwriting support; prior experience evaluating business credit required; exposure to SBA lending, SBA underwriting requirements, or lender documentation preferred; experience preparing financial spreads and calculating DSCR or other credit metrics a plus.
• Skills: Ability to read and interpret business tax returns, profit and loss statements, and balance sheets; ability to prepare credit memos based on financial and borrower information; comfort working in Excel, including organizing and reviewing financial data; experience working with lending or credit-analysis software a plus.
• Characteristics: Strong analytical and problem-solving skills with high attention to detail and accuracy; strong organizational and written communication skills with the ability to manage multiple loan files and deadlines; able to identify and appropriately escalate potential credit issues; genuine interest in developing deeper SBA and commercial lending expertise.

Responsibilities:

• Spread and analyze business tax returns, profit and loss statements, balance sheets, and other borrower financial information, reviewing data for accuracy, consistency, and completeness.
• Calculate and assess key credit metrics including cash flow, debt service coverage ratio (DSCR), liquidity, leverage, and profitability, identifying trends, discrepancies, and potential credit concerns.
• Assist the Senior Credit Analyst with preparation of SBA and commercial loan credit packages, organizing borrower financial information and supporting documentation for lender review.
• Perform quality-control reviews of financial spreads, credit analysis, and loan documentation, flagging missing information or inconsistencies for Senior Credit Analyst review.
• Maintain accurate and organized loan files, track outstanding documentation or analysis requirements, and support multiple active loan files while meeting established deadlines.