Credit Analyst

Petron Singapore Trading Pte Ltd; Singapore; On-site; SGD 70,000 - 110,000; Full time

Job summary

Petron Singapore Trading Pte Ltd is seeking a Credit Analyst to perform in-depth analysis of counterparties for creditworthiness and risk assessment. You will prepare detailed profiles and provide actionable recommendations for credit decisions, while monitoring exposures and presenting findings to management.

The role involves developing models to support credit evaluation and contributing to risk mitigation, with strong emphasis on communication across internal teams and external partners.

Qualifications

• 3–5 years of credit analysis experience in oil & gas, commodities, or financial services.
• Degree in Finance, Accounting, Business, Economics, or related field.
• Strong understanding of financial statements and credit risk analysis.
• Knowledge of trade finance and hedging structures is an advantage.
• Excellent communication and interpersonal skills with internal/external stakeholders.
• Proactive and results-driven mindset with problem-solving abilities.

Responsibilities

• Conduct through analysis of financial statements of counterparties for creditworthiness evaluation.
• Prepare detailed profile reports covering background, operations, financial status, and market reputation.
• Provide recommendation based on analysis for credit decision-making.
• Continuously monitor credit exposure and identify early warning signs of defaults or breaches.
• Prepare regular reports and presentations for management highlighting risks, trends, and actions.
• Develop spreadsheets and models to support analysis of credit applications.
• Assist in risk mitigation strategies to operate within the established risk tolerance.

Skills

Credit analysis

Financial modeling

Financial statements

Communication skills

Interpersonal skills

Problem solving

Education

Degree in Finance/Accounting/Business/Economics

Job description

• Conduct through analysis of financial statements of new and existing counterparties for creditworthiness evaluation.
• Prepare detailed profile reports covering company background, operations, financial status, performance, and market reputation.
• Provide recommendation based on the analysis for credit decision-making.
• Continuously monitor credit exposure and identify early warning signs of potential defaults or breaches.
• Prepare regular reports and presentations for management, highlighting key risks, trends, and actions required.
• Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
• Assist in the development and implementation of risk mitigation strategies to address identified risks, ensuring that the company operates within its established risk tolerance.

QUALIFICATIONS:

• Degree in Finance, Accounting, Business, Economics, or related field.
• 3-5 years of experience in credit analysis, preferably within the oil and gas, commodities, or financial services sectors.
• Strong understanding of financial statements, credit risk analysis, and financial modeling techniques.
• Knowledge of trade finance and hedging structures within the commodity trading industry is an advantage.
• Excellent communication and interpersonal skills, with the ability to interact effectively with internal teams and external stakeholders.
• A proactive and results-driven mindset with the ability to solve complex problems and make informed decisions.