Senior Credit Analyst

At Johnson & Johnson, we believe health is everything. Our strength in healthcare innovation empowers us to build a world where complex diseases are prevented, treated, and cured, where treatments are smarter and less invasive, and solutions are personal. Through our expertise in Innovative Medicine and MedTech, we are uniquely positioned to innovate across the full spectrum of healthcare solutions today to deliver the breakthroughs of tomorrow, and profoundly impact health for humanity. Learn more at jnj.com.

As guided by Our Credo, Johnson & Johnson is responsible to our employees who work with us throughout the world. We provide an inclusive work environment where each person is considered as an individual. At Johnson & Johnson, we respect the diversity and dignity of our employees and recognize their merit.

Job Function:

Finance

Job Sub Function:

AP/AR

Job Category:

Professional

All Job Posting Locations:

Taguig, National Capital Region (Manila), Philippines

Job Description:

Job Summary

The Senior Credit Analyst is responsible for evaluating the creditworthiness of potential and existing clients. They analyze financial data to determine appropriate credit limits and risk categories, playing a key role in safeguarding the company's financial health.

Key Responsibilities

• Credit Analysis:

  • Perform thorough credit evaluations and risk assessments for new and existing customers utilizing financial statements, credit bureaus, and industry trends.  Manage large volume, annual portfolio reviews and credit limit assessments efficiently.

  • Propose appropriate credit limits and risk category based on detailed analysis and risk assessment.

  • Process adhoc credit change requests on new and existing high-value accounts and work closely with Collections and Commercial Team for required, timely documentation.

  • Develop and maintain credit scoring models and exposure at default (EAD) assumptions.

• Risk Management:  Develop, implement, and monitor credit policies and procedures to minimize financial risk and maximize profitability.

• Reporting:  Prepare monthly reports such as Credit Limit Edit Report, Payment Terms and Baseline Date Edit Report

• Collaboration:  Partner with stakeholders such as the Collections Team, Commercial Team and Business Finance/CFO to inform credit decisions and communicate customer risk.

• Mentorship :  Training and mentoring Junior Credit Analysts and contribute to process improvements and automation efforts.

• Project: Initiate and lead credit risk projects, ensure it is delivered on-time, within scope, and within budget

Required Qualifications:

Education:  Bachelor’s degree in Accounting, Finance, or a related field; CPA, MBA preferred.

Experience:  At least 2 years of experience in commercial credit analysis, credit risk management.  Strong financial statement analysis skills, and advanced proficiency in Microsoft excel.

Required Skills:

Preferred Skills:

Accounting, Accounts Payable (AP), Accounts Receivable (AR), Analytical Reasoning, Audit Management, Business Behavior, Communication, Detail-Oriented, Execution Focus, Financial Analysis, Financial Recordkeeping, Financial Reports, Financial Risk Management (FRM), Multi Currency Accounting, Numerically Savvy, Process Optimization, Process Oriented