Credit Analyst

CHINA MERCHANTS BANK CO., LTD; Singapore; On-site; SGD 60,000 - 80,000; Full time

Job summary

A leading banking institution in Singapore is seeking an experienced Credit Analyst to conduct thorough credit analysis and provide recommendations for risk mitigation. The ideal candidate will have a Full Time Degree in Business or Finance and experience in the banking sector. Proficiency in both English and Chinese is essential for effective communication and report preparation. This role offers an opportunity for professional growth in a dynamic environment.

Qualifications

• Degree from a reputable university is mandatory.
• Experience as a Credit Analyst in a banking environment is preferred.
• Proficient in English and Chinese for report preparation.

Responsibilities

• Conduct independent credit analysis and reviews on corporate and private banking obligors.
• Act as Secretary to the Credit Committee and monitor loan covenants.
• Prepare industry research and credit analysis reports.

Skills

Credit analysis skills

Risk mitigation strategies

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