Credit Officer

BDO UNIBANK, INC. (Singapore Branch); Singapore; On-site; SGD 70,000 - 100,000; Full time

Job summary

A major financial institution in Singapore is seeking a Credit Risk Officer responsible for assessing the financial strength and creditworthiness of institutional clients. The role involves close collaboration with the Institutional Banking and Treasury Groups to ensure compliance with credit policies and regulations, manage risks, and maintain a sound credit portfolio. Candidates should have at least 3 years of experience in credit risk management and a relevant bachelor's degree. Strong analytical and communication skills are essential for success in this role.

Qualifications

• At least 3 years’ experience in credit risk management, preferably with institutional clients.
• Significant experience in loan products and familiarity with treasury funding products.
• Strong analytical, communication, and organizational skills.

Responsibilities

• Assess the credit and financial strength of clients, focusing on regional and multinational institutions.
• Collaborate with Institutional Banking and Treasury Groups to review transactions.
• Conduct timely credit evaluations for new and existing accounts.

Skills

Credit risk management

Financial analysis

Communication

Analytical skills

Negotiation

Education

Bachelor's degree in finance or business

Job description

The Credit Risk Officer is responsible for assessing the financial strength and creditworthiness of our institutional clients to ensure credit exposure is managed within the bank’s risk appetite. This role involves close collaboration with the Institutional Banking Group and the Treasury Group, both in Singapore and in the Philippine Head Office, in evaluating business opportunities and ensuring compliance with internal credit policies and regulatory standards. Maintaining a sound credit portfolio contributes to the bank’s risk management strategy and to its overall success.

Responsibilities:

• Assess the credit and financial strength of the firm’s corporate, financial sponsor and FI clients with focus on regional and multinational institutions
• Collaborate with the Institutional Banking Group to review loan transactions, determine appetite, and work towards timely approval
• Collaborate with the Treasury Group to review investment, funding and derivative transactions, and implement proper documentation, limits and mitigants
• Conduct timely credit evaluations for new and existing accounts
• Analyze financial data and assess creditworthiness
• Prepare credit reports and recommendations
• Ensure compliance with regulatory and internal policies
• Monitor exposures at a counterparty, product and portfolio level, and manage risks proactively
• Research industries and maintain updated credit records
• Track financial benchmarks and early warning signals
• Support a strong credit and risk culture across the bank

Qualifications:

• At least 3 years’ work experience in credit risk management with specific experience in assessing opportunities with institutional clients
• Significant experience in loan products; some experience in treasury funding products and derivatives is helpful
• Knowledge of lending agreements, ISDA and CSA, GMRA, and other relevant documentation
• Must demonstrate strong analytical, communication and organization skills, with proven experience in financial, credit and risk analysis, as well as negotiation, presentation and conflict management
• Bachelors degree relevant to the job, such as, but not limited to finance or business related courses