Credit Analyst – Treasury & Large Corporate Counterparties Experienced (Individual Contributor)[...]

Monee; Singapore; On-site; SGD 90,000 - 130,000; Full time

Job summary

Monee, a leading digital payments and financial services provider in Southeast Asia, is seeking a Credit Analyst to join its Credit Risk team. You will assess credit risk across Treasury and Large Corporate portfolios and contribute to regulatory reporting and dashboards.

Ideal candidates have 5+ years in credit analysis, strong financial statement skills, proficiency in Excel, and experience with credit risk reporting.

Qualifications

• 5+ years of experience in credit analysis across financial institutions or large corporates.
• Strong financial statement analysis and credit assessment skills.
• Familiarity with regulatory reporting requirements for banks in Singapore is a plus.

Responsibilities

• Conduct credit analyses of Treasury counterparties and Large Corporate borrowers with financial spreading and ratio analysis.
• Prepare credit memos and reviews recommending limits, ratings, and terms.
• Monitor credit quality and flag emerging risks such as covenant breaches and adverse news.
• Track credit limit utilization, expiries, and renewal pipelines.
• Support onboarding due diligence and limit requests for new counterparties.
• Assist in credit assessment of loan channeling partners and ongoing portfolio monitoring.
• Liaise with Business, Treasury, Legal, and other stakeholders on credit matters.
• Contribute to process improvements and automation of credit workflows and reporting.

Skills

Credit analysis

Financial statement analysis

Regulatory reporting

Excel

Financial modelling

Stakeholder communication

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Tools

Excel

Job description

Credit Analyst – Treasury & Large Corporate Counterparties

Experienced (Individual Contributor)

Monee is a leading digital payments and financial services provider in Southeast Asia, with a growing presence in Latin America. Its mission is to better the lives of individuals and businesses in the region with financial services through technology.

Monee delivers a comprehensive range of digital financial products and services, including mobile wallets, payment processing, credit, banking, and insurtech. By leveraging technology and strategic partnerships, Monee aims to drive greater digital financial inclusion, convenience, and accessibility for individuals and small businesses across Southeast Asia and Latin America.

Monee is part of Sea Limited, a global technology company.

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:

• 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

2. Credit Policy:

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

3. 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

4. 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