Mark Enriquez

Mark Jonathan Enriquez currently serves as a Junior Credit Analyst at ING Hubs Philippines, where he plays a vital role within the Transportation & Logistics Sector. His responsibilities primarily involve analyzing and validating covenants based on facility agreements, ensuring clients’ compliance with loan terms and conditions. This meticulous process helps mitigate credit risk and supports the bank’s risk management framework. Mark’s expertise extends to conducting Loan-to-Value (LTV) valuations of collaterals, which is crucial for assessing collateral adequacy and maintaining sound credit underwriting standards. Additionally, he performs risk ratings and financial spreading, leveraging his strong foundation in accounting principles and audit methodologies to deliver accurate and timely insights for credit decision-making.

His background as an auditor with one year of experience has equipped him with a keen eye for operational efficiency and compliance, skills that he now applies to credit analysis and risk assessment. Mark’s proficiency with tools such as CaseWare Software, SAP ERP, and QuickBooks enhances his ability to handle complex financial data, ensuring precise financial analysis and reporting. His commitment to continuous learning is evident in his pursuit of mastering Japanese, which broadens his cultural and linguistic capabilities—an asset in the global financial industry.

At ING Hubs Philippines, Mark is recognized for his dedication to professional development, attention to detail, and proactive approach to ad-hoc tasks that support the front office. His combination of technical skills, industry knowledge, and a growth mindset positions him as a valuable contributor to the bank’s credit risk management and client service excellence.