Credit Specialist

About Unioil Petroleum Philippines, Inc.Unioil Petroleum Philippines, Inc. is one of the country’s leading independent downstream petroleum companies, operating a network of retail service stations and supplying fuels, lubricants, and petrochemical products to industrial, commercial, and retail customers across the Philippines. We are committed to delivering quality energy solutions while fostering a culture of excellence, integrity, and continuous growth.Fuel the Future With UsThe Credit Specialist is responsible for protecting Unioil's receivables portfolio through rigorous credit assessment and sound judgment on credit limit decisions. This is a high-accountability role: the Credit Specialist owns the quality of every credit recommendation she recommends on.How You'll Drive SuccessCredit Assessment & UnderwritingEvaluate new credit applications and renewal requests against Unioil's credit policiesConduct credit investigation: verify business legitimacy, ownership structures, affiliated company exposures, and negative data findingsStructure appropriate credit lines (revolving, term, interim) based on client financial capacity, payment behavior, and industry risk profileIdentify and document risk mitigants for every credit recommendation — no approval without a documented rationaleFormally flag aggressive line proposals with written credit concerns before committee presentation; do not approve what you cannot defendFieldwork & Physical VerificationConduct site visits for new credit applications, significant line increases, and accounts with material changes in operationsVerify physical assets, operational activity, and management credibility in person, particularly for construction, quarrying, and project-finance accountsDocument site visit findings with photos, observations, and a signed visit report; findings must inform the credit recommendationCollateral & Documentation ManagementValidate Letters of Credit (LC), Standby LCs (SBLC), and other credit instruments — track expiry dates and initiate renewal follow-ups proactivelyReview and verify SEC registration, Articles of Incorporation, GIS, audited financial statements, and bank references for completeness and authenticityMaintain organized credit files per account; flag documentation gaps before credit lines are extended, not afterCredit Committee & GovernancePrepare and present credit proposals to the Credit Committee — written and oral formats. Own the presentation; know the account well enough to answer any questionRecommend credit limit recalibrations (increase, reduction, suspension) based on payment behavior and current financial capacityParticipate in credit committee meetings; apply consistent judgment standards across all accounts regardless of commercial pressureThe Expertise You BringEducationBachelor's degree in Accountancy, Finance, Economics, Business Administration, or a related fieldExperience1–3 years of credit analysis, corporate banking, or B2B trade credit experienceBanking background (credit officer, credit analyst) is strongly preferredSkills & CompetenciesStrong credit judgment — able to independently assess any account from raw financials to committee recommendation without hand-holdingMaintains credit standards under commercial pressure; knows the difference between a legitimate business case and a relationship favorComfortable working on Saturdays, holidays and conducting fieldwork — site visits to quarries, construction sites, and provincial operationsProficient in AI tools (Claude, ChatGPT, Copilot) for financial analysis and report drafting as a daily workflowNavigates SAP S/4HANA and Salesforce for payment histories, AR reports, and credit status trackingAdvanced Microsoft Excel requiredProfessional confidence to say no when the numbers do not support approval; this role carries financial accountabilityWhy UnioilCompetitive salary and benefits packageCareer development and promotion opportunities within a growing companyCollaborative and supportive work environment