Corporate Credit Analyst - Team Lead

CFA Institute; Singapore; On-site; SGD 85,000 - 120,000; Full time

Job summary

A financial organization based in Singapore is seeking a credit analyst to manage corporate credit assessments. The ideal candidate will have over 8 years of experience in credit analysis and a relevant degree in finance. Responsibilities include reviewing due diligence reports, formulating internal policies, and conducting industry research. Applicants should be bilingual in English and Chinese, as collaboration with Chinese counterparts is essential. Professional certifications like CFA or ACCA are preferred, along with strong analytical and communication skills.

Qualifications

• Bachelor degree or above in finance or related field.
• More than 8 years of relevant work experience.
• CFA, FRM, or ACCA certification preferred.
• Skills in financial and credit risk analysis.
• Strong communication and teamwork abilities.
• Bilingual in English and Chinese.
• Ability to handle multiple tasks effectively.

Responsibilities

• Review and provide opinions on due diligence reports.
• Instruct team members for pre-committee meetings.
• Formulate/revise internal policy and credit guidelines.
• Assign credit analysts to respective industries.
• Respond to regulatory and audit review agencies.
• Conduct credit analysis for corporate customers.
• Conduct industry research and revise approval guidelines.
• Monitor commitment matters and risk control recommendations.

Skills

Financial statements analysis

Credit risk management

Communication skills

Teamwork ability

Bilingual in English and Chinese

Education

Bachelor degree in finance, economy, accountancy or related majors

Job description

Job Description:

• Responsible to review the due diligence report submitted by credit analysist and to provide revise opinions, at the same time, communicate with business unit to complete and enhance the overall credit structure and credit conditions. Examine and review customers' credit rating;
• Instruct team members to provide opinions for the cases to be report in "pre-committee meeting";
• To formulate/revised relevant internal policy and Credit assessment/approval guidelines for the assigned industry;
• To assign the credit team's industry and customer to the credit analysts, as well as to cultivate industry experts. To organize team members to carry out relevant industry research and investigation;
• Respond to regulatory, audit, head office and other review agencies, and complete relevant feedback and rectification;
• 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.
• Conduct industry research according to respective responsible industries, revise the relevant approval guidelines.
• Conduct commitment matters monitoring and other work regularly, put forward effective risk control recommendations for clients with early warning signals.
• 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 8 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