Corporate Credit Analyst

Bank of China; Singapore; On-site; SGD 70,000 - 100,000; Full time

Job summary

Bank of China in Singapore seeks an experienced Corporate Credit Analyst to perform credit analysis for corporate clients, assess compliance with regulations and bank policy, and identify key risk points. You will propose risk controls and rate client credit, contributing to risk management decisions.

The role requires 3+ years of relevant experience, bilingual English/Chinese, and strong financial analysis skills. CFA/FRM/ACCA preferred. Experience in commodity/trade finance is a plus.

Qualifications

• Bachelor degree or above in finance, economics, accounting or related majors.
• Skilled in financial statements analysis methods and understand bank related credit facilities.
• More than 3 years of relevant work experience; credit analysis of corporate clients preferred.
• CFA, FRM and ACCA certifications preferred.
• Strong financial and credit risk analysis and management skills.
• Excellent communication skills, responsibility and teamwork.
• Bilingual in English and Chinese required to liaise with Chinese counterparts from Head Office.
• Experience in Commodity Finance and Trade Finance is an advantage.

Responsibilities

• Perform credit analysis for corporate customers and assess regulatory/compliance with bank policies.
• Identify main risk points and propose risk control measures.
• Determine group overall credit risk and conduct client credit rating.
• Provide opinions for credit files to pre-trial committee and perform secretary duties as required.
• Conduct industry research and revise approval guidelines.
• Monitor commitments and advise on risk control for clients with early warning signals.
• Complete other work arrangements by the department.

Skills

Financial statement analysis

Credit risk analysis

Communication skills

Teamwork

English & Chinese bilingual

Regulatory compliance understanding

Multi-tasking under pressure

Commodity/Trade Finance knowledge

Education

Bachelor degree or above in finance/economics/accounting

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