Credit Documentation Analyst (Mortgage Loans)

ValueMax Group Ltd; Singapore; Presencial; SGD 50 000 - 75 000; Tempo integral

Resumo da oferta

ValueMax Group Ltd is seeking a detail-oriented Credit Documentation Analyst to prepare, review, and maintain loan and security documents for our mortgage portfolio in Singapore. You will ensure documents reflect approved credit terms and meet contractual and security requirements before and after disbursement.

You will also contribute to credit assessment, reviewing borrower income, valuation data, and market information, and prepare concise credit memos to support risk decisions.

Qualificações

• 3–5 years of experience in credit documentation, credit analysis, compliance review, or conveyancing.
• Degree in banking, law, finance, accounting, or related field is preferred.
• Strong knowledge of Singapore property transactions and AML/CFT requirements.

Responsabilidades

• Prepare and review loan agreements, letters of offer, charge documents, and security documents against the credit approval.
• Review loan files for completeness including KYC/AML documents, source of funds, and approval records.
• Check title searches and valuation reports to confirm security description, registration and lack of encumbrances.
• Coordinate with external solicitors on registration, caveats, discharges, and variations.
• Support credit assessment by analysing borrower income, valuation data, and market information, and preparing short credit memos.

Conhecimentos

Attention to detail

Analytical thinking

Written communication

Discretion and integrity

Challenging colleagues with tact

Formação académica

Degree in banking, law, finance or related field

Ferramentas

Microsoft Excel

Microsoft Word

Loan management systems

Descrição da oferta de emprego

We are looking for a detail-oriented Credit Documentation Analyst to prepare, review, and maintain loan and security documentation for our mortgage portfolio. You will make sure every document reflects the approved credit terms and that contractual and security requirements are met before and after disbursement. From time to time, you will also contribute to credit assessment, bringing your analytical judgement to borrower and property information.

• Prepare and review loan agreements, letters of offer, charge documents, and security documents against the credit approval.
• Review loan files from the Business Development team for completeness, including KYC, AML/CFT documents, source of funds, and approval records.
• Check title searches and valuation reports to confirm the security is correctly described, registered, and free of unexpected encumbrances.
• Verify conditions precedent such as corporate authorizations and pre-activation checks are satisfied prior to loan drawdown.
• Coordinate with external solicitors on registration, caveats, discharges, and variations.
• Support loan amendments, restructurings, and redemptions, including discharge documentation.
• Monitor deadlines for insurance, valuation refreshes, and covenant reporting, and escal ...prompt.
• Return files to the Business Development team with clear, constructive findings, and elevate material or recurring issues to the Credit Director.
• Support credit assessment by analysing borrower income, valuation data, and market information, and preparing short credit memos.
• Report periodically on file quality, common errors, and risk observations.
• Maintain checklists, documentation standards, and templates, and suggest workflow improvements.

WHAT WE ARE LOOKING FOR

• A degree in banking, law, finance, accounting, or a related field.
• 3 to 5 years of experience in credit documentation, credit analysis, compliance review, or conveyancing, ideally in banking, finance companies, or moneylending.
• Strong working knowledge of Singapore property transactions, including title types, mortgage registration, and caveats. Familiarity with Malaysian property documentation is a plus.
• Solid understanding of AML/CFT and KYC requirements, including MAS Notice 632 where applicable.
• Ability to analyse financial information and form a reasoned view on repayment capacity and collateral risk. Credit assessment exposure is a strong advantage.
• Confidence to challenge colleagues' work and hold firm on findings, delivered with tact.
• Excellent attention to detail and a disciplined, checklist-driven approach.
• Clear written communication, including concise credit memos.
• Proficiency in Microsoft Excel and Word. Experience with loan management systems is an advantage.
• Discretion and integrity in handling confidential borrower information.