Credit Analyst – Treasury & Large Corporate Counterparties

Monee; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

MariBank seeks a Credit Analyst to join its Credit Risk team, with responsibilities spanning credit analysis, portfolio monitoring, and regulatory reporting. The role covers Treasury and Large Corporate counterparties, delivering risk assessments and management reporting to senior stakeholders.

You will conduct financial analysis, build forward-looking scenarios, and support in MAS submissions, while collaborating with Business, Treasury, Legal, and Risk teams to improve credit workflows and

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 5+ years of experience in credit analysis, covering either financial institutions/Treasury counterparties or large corporate.

Responsibilities

• Conduct credit assessments of Treasury counterparties and Large Corporate borrowers, including financial spreading, ratio analysis, and qualitative risk assessment.
• Prepare credit memos and annual/periodic reviews recommending credit limits, ratings, and terms.
• Monitor counterparty and borrower credit quality on an ongoing basis, flagging emerging risks.

Skills

Credit analysis

Financial statement analysis

Regulatory reporting

Stress testing

Excel

Data quality checks

Education

Bachelor's degree

Tools

Credit systems

Reporting automation tools

Job description

Job Description

About the Role

MariBank is seeking a Credit Analyst to join its Credit Risk team, responsible for assessing and monitoring credit risk across the bank's Treasury and Large Corporate counterparty portfolios. This role combines hands-on credit analysis with broader responsibilities in management and regulatory reporting, offering exposure to both counterparty risk management and the operational backbone of the bank's credit function.

Key Responsibilities

Credit Analysis & Portfolio Monitoring

• Conduct credit assessments of Treasury counterparties (banks, financial institutions) and Large Corporate borrowers, including financial spreading, ratio analysis, and qualitative risk assessment
• Prepare credit memos and annual/periodic reviews recommending credit limits, ratings, and terms
• Monitor counterparty and borrower credit quality on an ongoing basis, flagging emerging risks (covenant breaches, rating migrations, adverse news, sector developments)
• Track and manage credit limit utilization, expiries, and renewal pipelines
• Support due diligence for new counterparty onboarding and limit requests
• Assist in credit assessment of loan channeling partners, including partner-level due diligence and ongoing portfolio quality monitoring
• Liaise with Business, Treasury, Legal, and other stakeholders on credit-related matters
• Contribute to process improvements and automation of credit workflows and reporting

Credit Policy

• Support the update, maintenance, and ownership of credit management policies and guidelines, ensuring they remain current with portfolio developments and regulatory expectations

Management Reporting

• Prepare periodic credit risk management reports (portfolio composition, concentration, watchlist, exposure trends) for senior management and risk committees
• Prepare presentations and materials for management reporting and risk committee updates
• Maintain and enhance reporting templates/dashboards to improve accuracy and turnaround time

Regulatory Reporting & Stress Testing

• Assist in preparing and reviewing credit-risk-related regulatory submissions (e.g., MAS returns) in coordination with Regulatory Reporting teams
• Support stress testing of the credit portfolio, including scenario analysis and results reporting
• Support data quality checks, reconciliations, and documentation to ensure regulatory reporting accuracy and audit readiness.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or related field
• 5+ years of experience in credit analysis, covering either financial institutions/Treasury counterparties or large corporate (both an advantage)
• Strong financial statement analysis and credit assessment skills
• Financial projection and modelling skills, with ability to build and assess forward looking scenarios as part of credit and stress testing analysis
• Familiarity with regulatory reporting requirements for banks in Singapore (MAS) is a plus
• Proficiency in Excel; experience with credit systems or reporting automation tools is an advantage
• CFA, FRM, ACCA/CA, or other relevant professional qualification (completed or in progress) is a plus
• Strong written and verbal communication skills; ability to present analysis clearly to senior stakeholders
• Detail-oriented, organized, and able to manage multiple deliverables under deadline pressure