Credit Analyst (12-Month Fixed-Term Contract)

DZ BANK AG DEUTSCHE ZENTRAL-GENOSSENSCHAFTSBANK, FRANKFURT AM MAIN (FORMERLY GZ-BANK AG); Singapore; Sur place; SGD 120 000 - 180 000; Plein temps

Résumé du poste

DZ BANK AG, based in Singapore, seeks a seasoned Credit Analyst to join the Credit team on a 12-month fixed-term contract. You will perform credit risk analyses for corporate and trade finance clients across APAC, while aligning Head Office credit risk frameworks and digital tools within the Singapore Branch.

The role requires 6+ years in credit analysis, fluency in English and German, and strong mastery of SAP/IRM systems, with the ability to collaborate with the Frankfurt Head Office on risk

Qualifications

• 6+ years of credit analysis / credit risk management experience within corporate or international wholesale banking.
• Strong knowledge of MAS regulations and European/German banking supervisory standards.
• Experience with SAP and IRM systems.
• Fluent in English; German proficiency required for coordination with Frankfurt Head Office.
• Excellent analytical and teamwork skills in a multicultural environment.

Responsabilités

• Perform credit analysis & financial assessment for APAC corporate borrowers.
• Prepare Credit Applications and annual Reviews for credit committees.
• Review facility letters and loan documents for conformity with terms and standards.
• Monitor credit exposures and risk using IRM and SAP systems; produce ad-hoc risk/portfolio reports.
• Support Head Office process alignment and implement new credit risk tools and workflows.

Connaissances

Credit risk analysis

Financial statement analysis

Cash flow analysis

German language proficiency

English language proficiency

MS Office

Formation

Bachelor's or Master's in Banking/Finance/Business Administration/Economics

Outils

SAP

IRM

Description du poste

Job Overview

Based in Singapore, you will join DZ BANK AG’s Credit team on a 12-month fixed-term contract, reporting locally to the Head of Credit Singapore and functionally to the Regional Department Head, Hong Kong. In this role, you will perform credit risk analysis and credit approvals for corporate and trade finance customers across the Asia-Pacific (APAC) region, while actively supporting the alignment and rollout of Head Office credit risk frameworks, digital credit tools, and standardized credit processes within the Singapore Branch.

Key Responsibilities

Credit Analysis & Financial Assessment:

• Spread and analyze balance sheets, profit & loss, and cash flow statements for prospective and existing corporate borrowers in the APAC region.
• Prepare comprehensive Credit Applications and annual Credit Reviews, including borrower rating assessments, for submission to authorized credit committees.

Facility & Loan Documentation:

• Review bilateral facility offer letters and syndicated loan agreements to ensure strict conformity with approved credit terms and internal standards prior to Head of Credit sign-off.
• Liaise with external legal counsels, agent banks, and internal stakeholders.

Portfolio Monitoring & Risk Tracking:

• Perform quarterly monitoring and updates of credit exposures in the Integrated Risk Management (IRM) system.
• Track and monitor financial covenants in SAP in accordance with facility agreement timelines.
• Prepare ad-hoc risk and portfolio reports (e.g., Credit Default, country, sector, and counterparty profiles) for local Management and Head Office.

Head Office Process Alignment & Project Support (12-Month Focus):

• Support the local team in implementing and operationalizing new Head Office systems and digital tools (e.g., electronic credit files, digital approval workflows).
• Serve as a key interface between the Singapore Credit Department and Head Office credit risk functions.

Requirements & Qualifications

• Education: Bachelor’s or Master’s degree in Banking, Finance, Business Administration, Economics, or a related discipline.
• Experience: Minimum of 6 years of relevant credit analysis / credit risk management experience within corporate or international wholesale banking.
• Regulatory & Technical Knowledge: Solid understanding of both MAS regulations and European/German banking supervisory standards (Bundesbank/BaFin lending rules).
• Systems Proficiency: Experience with banking credit & risk systems (e.g., SAP, IRM) and strong proficiency in MS Office.
• Language Skills: Excellent written and spoken English. Fluency in German (written and spoken) is required, as the role involves continuous direct coordination with the Frankfurt Head Office, review of German regulatory documentation, and the implementation of Head Office IT systems and credit directives.
• Soft Skills: High level of professionalism, strong analytical and problem-solving abilities, independent working style, and proven ability to work collaboratively in a multicultural environment.

Kindly note that only shortlisted candidates will be notified.