Credit Analyst /Approval

Responsibilities

1. Review of spreading for balance sheet, profit/loss and cashflow statement, provide evaluation of financial standings of prospective clients and existing borrowers.
2. Review of credit applications and annual credit reviews, including credit rating for each borrower for approval.
3. Provide independent credit assessment and recommendation and ensure compliance against the Branch’s credit policies and procedures.
4. Work closely with relevant internal stakeholders to achieve business needs within risk appetite.
5. Conduct in-depth research on key industries and formulate branch industry credit policies.
6. Monitor the performance of corporate loan portfolios to ensure they comply with the bank-wide credit risk strategies.
7. Review and validate credit decision process and credit modelling, identifying areas for improvements.
8. Formulate or update branch internal policies and procedures according to HO policies, internal & external audit requirements, as well as regulatory mandates.
9. Address issues raised by auditors and MAS relating to credit matters.
10. Undertake ad-hoc projects and other duties assigned by Deputy Head of Department from time to time.

Requirements

1. A recognized degree.
2. Minimum 10 years of credit risk experience in Banking or credit rating agency.
3. Experience in structured trade and commodity finance, project finance (not limited to aircraft/shipping leasing, transportation, logistics).
4. Familiarity with the laws and regulations in Singapore and ASEAN region.
5. Excellent communication skills.
6. Fluency in English and Mandarin to liaise with Mandarin speaking Head Office colleagues.
7. Ability to work independently.
8. Able to work under pressure.

*Only shortlisted candidates will be notified.