AVP, Credit Analyst

EMPOWER PARTNERS SEARCH PTE. LTD.; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Ourclient, a leading international bank, is seeking an Assistant Vice President, Credit Analyst to support its corporate banking business. The role focuses on fundamental credit analysis, financial assessment and credit proposal preparation across a portfolio of corporate clients.

The successful candidate will work closely with Relationship Managers and Credit Risk team to assess new transactions and monitor existing exposures.

Qualifications

• Degree in Finance, Accounting, Economics or related discipline.
• 5–8 years of experience in corporate credit analysis, underwriting, or banking credit.
• Strong understanding of financial statement analysis and corporate credit fundamentals.
• Experience analyzing large corporates across multiple industries.
• Good understanding of lending structures, credit facilities, and risk mitigants.
• Strong analytical and report-writing skills.
• Ability to work effectively with Relationship Managers and senior credit stakeholders.

Responsibilities

• Conduct detailed credit analyses on corporate borrowers across various industries.
• Analyze financial statements, cash flows, leverage, liquidity and debt-servicing capacity.
• Assess borrowers' business models, industry dynamics and key credit risks.
• Prepare and review credit applications, annual reviews and credit monitoring reports.
• Evaluate proposed lending structures, covenants, collateral and credit mitigants.
• Support Relationship Managers in evaluating new business opportunities and credit requests.
• Monitor existing portfolios and identify emerging credit concerns.
• Work closely with Relationship Managers, Credit Risk, Legal and other internal stakeholders.
• Ensure credit assessments are consistent with the bank's internal credit policies and risk appetite.

Skills

Credit analysis

Financial statement analysis

Credit underwriting

Banking knowledge

Relationship coordination

Education

Finance/Economics/Accounting degree

Job description

Ourclient,aleadinginternationalbank,islookingtoappointanAssistantVicePresident,CreditAnalysttosupportitscorporatebankingbusiness.

Therolewillfocusonfundamentalcreditanalysis,financialassessmentandcreditproposalpreparationacrossaportfolioofcorporateclients.ThesuccessfulcandidatewillworkcloselywithRelationshipManagersandCreditRiskteamstoassessnewtransactionsandmonitorexistingexposures.

KeyResponsibilities

• Conductdetailedcreditanalysisoncorporateborrowersacrossvariousindustries.
• Analysefinancialstatements,cashflows,leverage,liquidityanddebt-servicingcapacity.
• Assessborrowers'businessmodels,industrydynamicsandkeycreditrisks.
• Prepareandreviewcreditapplications,annualreviewsandcreditmonitoringreports.
• Evaluateproposedlendingstructures,covenants,collateralandcreditmitigants.
• SupportRelationshipManagersinevaluatingnewbusinessopportunitiesandcreditrequests.
• Monitorexistingportfoliosandidentifyemergingcreditconcerns.
• WorkcloselywithRelationshipManagers,CreditRisk,Legalandotherinternalstakeholders.
• Ensurecreditassessmentsareconsistentwiththebank'sinternalcreditpoliciesandriskappetite.

Requirements

• DegreeinFinance,Accounting,Economicsorarelateddiscipline.
• 5–8yearsofexperienceincorporatecreditanalysis,creditunderwritingorbankingcredit.
• Strongunderstandingoffinancialstatementanalysisandcorporatecreditfundamentals.
• Experienceanalysinglargecorporates,preferablyacrossmultipleindustries.
• Goodunderstandingoflendingstructures,creditfacilitiesandriskmitigants.
• Stronganalyticalandreport-writingskills.
• AbilitytoworkeffectivelywithRelationshipManagersandseniorcreditstakeholders.

LicenseNo:24S2395

RegistrationNo:R1874438