Associate Credit Analyst

RHB Bank Berhad (Singapore); Singapore; On-site; SGD 54,000 - 90,000; Full time

Job summary

RHB Singapore seeks an Associate Credit Analyst to support the Treasury team in credit assessment, portfolio monitoring, and investment analysis. You will work with stakeholders to identify opportunities, assess risks, assign ratings, and provide timely reporting to optimize the risk-return profile of the portfolio.

The role involves contributing to profitability by evaluating new investment opportunities, supporting portfolio rebalancing, and ensuring compliance with internal guidelines and

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, Banking, Business, or related discipline.
• Experience in credit analysis, treasury or investment management.
• Strong analytical and problem-solving abilities with data interpretation.
• Familiarity with credit rating methodologies.
• Excellent report writing and presentation skills.
• Proficient in Excel and financial analysis tools.

Responsibilities

• Contribute to profitability by optimizing the risk-return ratio of the investment portfolio.
• Identify and evaluate new investment opportunities aligned with risk appetite.
• Support management and rebalancing of the Treasury Investment Portfolio for optimal returns.
• Conduct regular reviews of the investment portfolio and monitor credit quality.
• Prepare and present portfolio analysis, credit assessments, and management reports.
• Perform credit evaluations and assign credit ratings using internal methodologies.
• Monitor market developments, industry trends, and credit events affecting the portfolio.
• Ensure timely reporting of portfolio performance and risk indicators.
• Assist with risk management practices and regulatory compliance.

Skills

Credit analysis

Treasury

Investment management

Risk management

Corporate banking

Excel

Report writing

Presentation skills

Communication

Attention to detail

Independence

Education

Bachelor's degree in Finance, Economics, Accounting, Banking, Business, or related discipline

Tools

Excel

Job description

About the Role

We are seeking a highly motivated Associate Credit Analyst to join our Treasury team at RHB Singapore. In this role, you will be responsible for supporting the management of the Bank's investment portfolio through credit assessment, portfolio monitoring, and investment analysis. You will work closely with stakeholders to identify investment opportunities, assess credit risks, assign credit ratings, and provide timely reporting to support informed investment decisions while optimizing the risk-return profile of the portfolio.

What You Will Be Doing

• Contribute to the achievement of the department’s profitability objectives by optimizing the risk-return ratio of the investment portfolio.
• Actively identify and evaluate new investment opportunities that align with the Bank’s investment strategy and risk appetite.
• Support the management and rebalancing of the Treasury Investment Portfolio to achieve optimal returns while maintaining prudent risk levels.
• Conduct regular reviews of the investment portfolio and monitor credit quality across portfolio holdings.
• Prepare and present portfolio analysis, credit assessments, and management reports to support business and investment decisions.
• Perform credit evaluations and assign credit ratings using internally approved rating methodologies and models.
• Monitor market developments, industry trends, and credit events that may impact the investment portfolio.
• Ensure timely and accurate reporting of portfolio performance, credit exposures, and risk indicators.
• Support the implementation of risk management practices and ensure compliance with internal guidelines and regulatory requirements.
• Assist with administrative activities related to portfolio management, credit reviews, and reporting processes.

What We're Looking For

• Bachelor's Degree in Finance, Economics, Accounting, Banking, Business, or a related discipline.
• Relevant experience in credit analysis, treasury, investment management, risk management, corporate banking, or related financial services functions.
• Strong understanding of credit risk assessment, financial statement analysis, and investment portfolio management principles.
• Familiarity with credit rating methodologies and financial market instruments.
• Strong analytical and problem-solving skills with the ability to interpret financial and market data effectively.
• Excellent report writing, presentation, and communication skills.
• Proficient in Microsoft Excel and other analytical tools used for financial analysis and reporting.
• Detail-oriented with strong organizational and administrative capabilities.
• Ability to work independently while managing multiple priorities within a fast-paced environment.
• Proactive, disciplined, and committed to delivering high-quality work with strong professional integrity.

A mantra for our clients, customers, partners and every member of the RHB family. Yes, you. Our employees are one of the reasons we are here today. Dynamic, forward-thinking and progressive, there is a reason why we are an award-winning financial institution. Join us today and be a part of a winning family. At RHB, we take pride in our people and our teams. Great relationships built on trust, a 'leading it right' environment, challenging assignments and a culture of excellence are the pillars to the dynamic and diversified workplace we call home. As we grow towards realising our aspirations, we promise a workplace built on the five pillars – RHB Cares; RHB Leads; RHB Inspires; RHB Progresses; and RHB Rewards.