Credit Analyst

CHINA MERCHANTS BANK CO., LTD; Singapore; On-site; SGD 50,000 - 80,000; Full time

Job summary

A leading bank in Singapore is seeking a Credit Analyst to conduct independent credit analysis and provide recommendations for Corporate Banking and Private Banking clients. The role involves monitoring compliance, preparing credit reports, and supporting risk management. The ideal candidate should hold a degree in Business or Finance, have banking experience, and be proficient in English and Chinese. This position offers an opportunity to work in a dynamic banking environment.

Qualifications

• Experience as a Credit Analyst in a banking environment is preferred.
• Proficient in both oral and written English and Chinese.

Responsibilities

• Conduct independent credit analysis on corporate and private banking clients.
• Perform credit grading and provisioning for obligors.
• Act as Secretary to the Credit Committee.
• Monitor loan covenants for compliance.
• Prepare credit reports for branch and head office.

Skills

Credit analysis

Risk management

Communication skills

Bilingual in English and Chinese

Education

Full Time Degree in Business or Finance

Job description

Job Description

• Conduct independent credit analysis and reviews on new and existing Corporate Banking and/or Private Banking obligors, with value-added recommendations to mitigate identified risks
• Perform credit grading and provisioning for obligors and facilities
• Act as Secretary to the Credit Committee, including ensuring quorum requirements are met, taking minutes, and following up on outstanding matters
• Monitor loan covenants to ensure ongoing compliance
• Monitor adverse news that may negatively impact existing borrowers
• Perform regular review, management, and reporting of collateral valuations
• Prepare credit reports for the Branch, Head Office, and MAS
• Maintain and report on the Loan Watch List
• Prepare industry research and credit analysis reports, including reviews of industry-specific credit criteriaand/or guidelines, as and when required
• Support Risk Analysts in credit risk monitoring and control, loan portfolio management and review, and portfolio stress testing
• Perform any other related duties as assigned by superior

Requirements

• Full Time Degree in Business or Finance from a reputable University
• Experience as a Credit Analyst in a banking environment is preferred
• Proficient in both oral and written English and Chinese, to facilitate communication with Head Office and preparation of reports in Chinese where required