About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our customers. Our Institutional bank helps our largest customers move trade and capital around the region, providing our people with great opportunities to build their technical expertise and their careers.

About the Role

The Senior Credit Analyst (Financial Spreading) supports the manager in delivering accurate financial data extraction and analysis to enhance lending operations while ensuring alignment with risk management standards. You will be responsible for conducting financial spreading, validating data integrity, and producing reports that enable informed credit decisions across the business.

This role is integral to driving operational accuracy and efficiency by analysing borrower financial statements, reviewing supplementary notes, calculating ratios, and preparing standardized financial outputs for downstream stakeholders. You will also engage with internal partners such as Research & Analysis teams, Relationship Managers, and other key stakeholders to ensure timely and professional handling of queries.

In this role, you will contribute to process improvement initiatives, support regulatory reporting requirements, and uphold strong risk and compliance practices, including AML and sanctions-related standards.

Banking is changing and we're changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you'll be building your future, while helping to build ours.

Role location: Makati

Role Type: Permanent

Work arrangement: Hybrid

What will your day look like

As a Senior Credit Analyst for Financial Spreading, you will:

Ensure accuracy in financial statement spreading in accordance with FDE guidance and procedures.
Deliver financial reports and outputs within agreed deadlines and service levels.
Analyse and extract financial information from income statements, balance sheets, and cash flow statements.
Review supplementary notes for adjustments and compute financial ratios.
Present standardized financial data to support further credit analysis and prepare risk grading reports.
Meet regulatory and internal reporting requirements while ensuring high levels of data quality and accuracy.
Maintain and update customer limit records in relevant platforms, respond to stakeholder queries, and provide professional support across internal teams.
Identify and escalate potential risk issues, ensuring adherence to compliance, AML, and sanctions requirements.
Participate in process improvement initiatives and projects assigned by management.
Build effective working relationships, contribute to team activities, and support colleagues by fostering a collaborative and high-performing environment.

What will you bring

To grow and be successful in this role, you will ideally bring the following:

Proficiency in spoken and written Mandarin.
Strong knowledge of loan products and standard lending operations
Experience loan administration.
Competence in credit risk management and understanding of complex local regulations and policies.
Strong analytical and problem-solving skills.
Effective management, coordination, and communication skills.

You're not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we'd love to hear from you.

So why join us

ANZ provides banking and financial services and operates across more than 30 markets. We are among the top 4 banks in Australia, the largest banking group in New Zealand and Pacific, and among the top 50 banks in the world. With more than 2,000 people, our team in Manila plays a critical role in executing our strategy and in delivering what matters most to our customers and the bank. We continue to grow our professional services capabilities to support our customers around the world. Our expertise and services make us a bank, and our people, purpose, and culture makes us ANZ. We're proud of the inclusive culture we're renowned for where 90 percent of our people feel they belong.

We provide our people with a range of benefits including access to health and wellbeing services. We also have flexible working options so that our people can make work, work for them.

We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability, let us know how we can provide you with additional support.

To find out more about working at ANZ visit https://www.anz.com/careers/

Senior Credit Analyst (Financial Spreading) (Mandarin speaking)