Corporate Credit Analyst

Bank of China; Singapore; On-site; SGD 80,000 - 110,000; Full time

Job summary

Bank of China Singapore is seeking a credit analyst to perform comprehensive corporate client credit analysis, ensuring compliance with regulations and bank policies. The role involves risk assessment, rating, and proposing control measures, with exposure to industry research and guideline updates.

The candidate should have a strong background in financial statement analysis, credit risk management, and bilingual English-Chinese communication for liaising with Head Office.

Qualifications

• Bachelor’s degree or above in finance, economics, accounting or related majors.
• Strong financial and credit risk analysis and management skills.
• Skilled in financial statements analysis methods and understanding bank credit facilities.
• Effective bilingual ability in English and Chinese for liaison with Head Office.
• Good communication, responsibility and teamwork.

Responsibilities

• Perform credit analysis for corporate customers and assess compliance with regulations and bank policies, identify main risk points and propose risk controls.
• Provide opinions for credit files presented to the pre-trial committee and handle secretary tasks as required.
• Conduct industry research and update relevant approval guidelines.
• Monitor commitments and ongoing risk signals, offer effective risk management recommendations.
• Complete other tasks as assigned by the department.

Skills

Financial analysis

Credit risk analysis

Communication skills

Teamwork

Bilingual English Chinese

Pressure resistance

Education

Bachelor’s degree in finance, economics, accounting or related majors

Job description

• 1. Perform credit analysis for corporate customers and responsible for: review whether the case compliant with the regulation and the relevant bank's policy, reveal the main risk points, put forward risk control measures, determine the group overall credit risk and conduct client credit rating, etc.
• 2. Provide opinion for credit files reported to the pre-trial committee, undertake secretary work as required.
• 3. Conduct industry research according to respective responsible industries, revise the relevant approval guidelines.
• 4. Conduct commitment matters monitoring and other work regularly, put forward effective risk control recommendations for clients with early warning signals.
• 5. Complete other specific work arrangements by the department.

Job Requirements:

• 1. Bachelor degree or above (finance, economy accountancy or related majors), skilled in financial statements analysis methods and understand bank related credit facilities
• 2. More than 3 years of relevant work experience, has the experience of credit analysis to corporate clients is preferred
• 3. Applicant with CFA, FRM and ACCA professional skills certificate is preferred
• 4. Strong financial and credit risk analysis and management skills
• 5. Strong communication skills, responsibility and team-work ability
• 6. Effectively bilingual in English and Chinese is required as incumbent is required to liase with Chinese counterparts from Head Office.
• 7. Good pressure resistance, can effectively handle multiple work at the same time, understand the bank's review requirements of financing products
• 8. Experience in Commodity Finance and Trade Finance is advantage