Credit Analyst/AVP

Pasona Singapore Pte. Ltd.; Singapore; On-site; SGD 60,000 - 80,000; Full time

Job summary

A financial services firm in Singapore is seeking a Credit Analyst/AVP-CK with at least 5 years of credit analyst experience in the banking industry. The successful candidate will conduct independent credit risk analyses, prepare detailed reports for management, and assist junior colleagues. A degree and corporate banking experience are required. This role offers an opportunity to contribute to the credit control processes and support the department's objectives.

Qualifications

• At least 5 years of experience as a credit analyst in the banking industry.
• Experience in writing credit papers.
• Familiar with corporate banking practices.

Responsibilities

• Conduct credit risk assessments and prepare reviews for management.
• Support credit rating applications proposed by the Credit Investment Department.
• Preparation of financial covenants and reports for management.
• Liaise with Head Office regarding credit control.
• Assist and train junior colleagues in department operations.

Skills

Credit risk analysis

Corporate Banking

Financial reporting

Project Finance

Team training

Education

Degree

Job description

Job title: Credit Analyst/AVP-CK

Location: Central

Responsibilities

• Conduct review and analysis of existing and potential borrowers for independent and impartial presentation of credit risk assessment.
• Conduct independent and impartial credit risk analysis of existing and potential borrowers for creditworthiness and repayment capability.
• Prepare and present annual and quarterly “Credit Review” to the Branch Senior Management for existing and potential customers within stipulated framework pursuant to Head Office and branch’s policies and procedures (P&P).
• Independently support credit rating (CRR) application proposed by Credit Investment Department.
• Preparation of monthly report to Branch Senior Management (at Credit Committee Monthly meeting) tracking disclosure and receipt of financial statements, and completion of Credit Reviews and CRR reviews within timelines pursuant to Head Office and branch’s P&P.
• Preparation of monthly self review checklist reporting department’s work schedule to Branch Senior Management.
• Preparation of financial and non‑financial covenants via respective quarterly and monthly report to Branch Senior Management, together with detailed verification of individual covenants certificate provided by agent banks undertaken from time to time.
• Liaise with Head Office regarding credit control when necessary, which includes but is not limited to communications by e‑mail or telephone.
• Organize Credit Committee Individual Proposal/Monthly meetings. Prepare and circulate minutes thereof and maintain originals together with related materials so presented.
• Conducting research and producing report on credit issues relevant to branch’s credit portfolio.
• Assist, train and provide oversight for junior or new colleagues to facilitate smooth running of CC Department operations.
• Undertake, assist and support CC Department’s drive to shift away from mechanistic compliance to individual assumption for practices that promote a culture of accountability and good conduct.
• Support Head of Department in endeavors to achieve CC Department’s targets.
• Undertake other tasks regarding credit control under the direction of Head of Department.
• Work in the other departments in the Branch when appointed by Branch Senior Management.

Qualifications

• At least 5 years of credit analyst experience in banking industry with writing credit papers.
• Corporate Banking experience.
• Degree is required.
• Experience in the following credit analyst work such as Project Finance, REIT/ Shipping and LBO Finance.

We regret that only shortlisted candidates will be notified. Other applications will be updated to our database for future job opportunities.