Credit Executive / Financial Institution

ESTEEMED SEARCH PTE. LTD.; Singapore; On-site; SGD 70,000 - 110,000; Full time

Job summary

ESTEEMED SEARCH PTE. LTD. in Singapore seeks a credit risk professional to support the risk management function, with a focus on credit risk assessment, portfolio monitoring, and risk reporting.

The role involves independent reviews of credit proposals, due diligence, site visits, and regulatory reporting to strengthen risk controls. You will analyze portfolio quality, monitor concentrations, and assist in stress testing, working with Relationship Managers and other stakeholders to support sound

Qualifications

• Degree or Diploma in Finance, Accountancy, Business, Economics, or Risk Management.
• 4–5 years of relevant experience.
• Strong analytical skills and attention to detail.
• Good written communication and stakeholder management.
• Proficiency in Excel; familiarity with Power BI, Python or SQL is a plus.

Responsibilities

• Credit Risk Management: Support the implementation and enhancement of the credit risk framework, policies, and portfolio monitoring.
• Credit Proposal Assessment: Review borrower profiles and assess repayment capacity and collateral adequacy.
• Credit Reviews & Due Diligence: Conduct annual reviews, litigation checks, blacklist screenings, and Credit Bureau Singapore checks.
• Site Visits & Customer Interviews: Attend site visits and conduct telephone interviews to support assessments.
• Credit Portfolio Analysis & Reporting: Prepare portfolio reports on concentration, loan mix, and NPLs.
• Risk Monitoring & Stress Testing: Monitor emerging risk trends and support stress testing and risk analysis.
• Management & Regulatory Reporting: Prepare risk reports and documentation for management, regulators, and auditors.
• Other Responsibilities: Undertake ad-hoc tasks as directed by Head of Risk.

Skills

Analytical skills

Attention to detail

Stakeholder management

Written communication

Interpersonal skills

Excel proficiency

Education

Degree or Diploma in Finance / Accounting / Business / Economics / Risk Management

Tools

Power BI

Python

SQL

Excel

Job description

Job Focus

Support the Company's risk management function, with a primary focus on credit risk assessment, portfolio monitoring, and risk reporting.

Job Responsibilities

• Credit Risk Management: Support the implementation and ongoing enhancement of the Company's credit risk framework, policies, procedures, and portfolio monitoring processes.
• Credit Proposal Assessment: Conduct independent reviews of credit proposals submitted by Relationship Managers, evaluating borrower profiles, repayment capacity, financial positions, collateral adequacy, key credit risks, and mitigating factors.
• Credit Reviews & Due Diligence: Support annual credit reviews and perform due diligence checks, including litigation searches, blacklist screenings, and Credit Bureau Singapore checks.
• Site Visits & Customer Interviews: Participate in site visits for prospective customers and conduct telephone interviews with existing customers, where required, to support credit assessments.
• Credit Portfolio Analysis & Reporting: Prepare and review portfolio reports covering industry concentration, loan portfolio mix, non-performing loans (NPLs), and other key credit quality indicators.
• Risk Monitoring & Stress Testing: Monitor emerging credit risk trends and portfolio concentration risks, and support credit stress testing and related risk analysis.
• Management& Regulatory Reporting: Prepare credit risk reports, analysis, and supporting documentation for management, committees, regulators, and auditors.
• Other Responsibilities: Undertake ad-hoc assignments as directed by the Head of Risk.

Requirements

• Degree or Diploma in Finance, Accountancy, Business, Economics, Risk Management, or a related discipline, with 4–5 years of relevant experience.
• Strong analytical skills, attention to detail, and nonorganizational skills, with the ability to follow through on outstanding matters.
• Good written communication skills, with the ability to prepare clear and concise reports.
• Good interpersonal and stakeholder management skills, with the ability to liaise with internal business units, auditors, and external parties.
• Proficiency in Microsoft Excel is preferred. Familiarity with data analysis tools such as Power BI, Python, or SQL would be an advantage.

Thank you for your interest in this role. Please note that only shortlisted candidates will be contacted.

Registration No. R1985319

EA License No. 25C2698