Credit Officer

FinStrat Management; Singapore; On-site; SGD 125,000 - 150,000; Full time

Job summary

A financial management firm in Singapore seeks a Credit Officer to support deal teams in underwriting, due diligence, and loan servicing. The ideal candidate has over 7 years of experience in private equity or venture capital, with strong credit analysis and communication skills. This role offers a flexible work schedule and extensive benefits including unlimited vacation and profit-sharing.

Benefits

Flexible work schedule

Unlimited vacation

Medical, dental, and vision insurance

Ongoing education and training

Bonuses and profit-sharing

Qualifications

• 7+ years of experience in venture debt, private credit, structured finance, or related fields.
• Prior experience with due diligence and loan servicing is required.
• Understanding of lending regulations and credit risk management practices.

Responsibilities

• Evaluate VC- and PE-backed companies for creditworthiness.
• Lead financial, legal, operational, and management due diligence.
• Monitor loan performance and manage borrower compliance.
• Build relationships with startup founders and financial partners.

Skills

Credit analysis

Financial modeling

Deal structuring

Communication skills

Relationship building

Education

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

MBA, CPA or CFA

Tools

Excel

Loan servicing tools

Portfolio monitoring tools

Job description

The Role

We are seeking a strategic, finance-savvy Credit Officer with experience in venture capital, private equity, or structured lending to support our deal team in underwriting, due diligence, loan servicing, and ongoing portfolio management. This role requires a deep understanding of credit structures for investor-backed companies and strong analytical and relationship-management skills.

Key Responsibilities:

Loan Origination & Structuring:

• Evaluate VC- and PE-backed companies for creditworthiness by analyzing financial statements, cap tables, investor profiles, and market dynamics
• Structure and originate loan products such as venture debt, acquisition financing, growth capital, and working capital lines
• Collaborate with internal teams (investment, legal, operations) to finalize term sheets, credit approvals, and legal documentation

Due Diligence:

• Lead and coordinate financial, legal, operational, and management due diligence on prospective borrowers
• Assess company burn rate, revenue quality, unit economics, churn metrics, and customer concentration
• Review corporate governance documents, capitalization structures, intellectual property status, and key contracts
• Work closely with external counsel, third-party diligence providers, and internal stakeholders to validate underwriting assumptions

Loan Servicing & Portfolio Management:

• Oversee onboarding and disbursement processes for newly originated loans
• Monitor loan performance, borrower compliance with covenants, financial reporting obligations, and key risk indicators
• Manage periodic portfolio reviews, risk grading, and exposure analysis
• Coordinate amendments, waivers, renewals, or restructurings as needed
• Serve as primary point of contact for borrowers post-close, ensuring a high-quality client experience and proactive issue resolution

Relationship Management & Market Engagement:

• Build and maintain relationships with startup founders, CFOs, VC/PE partners, and advisory networks to drive deal flow
• Track market trends, sector developments, and capital market dynamics relevant to growth-stage lending

Qualifications

• 7+ years of experience in venture debt, private credit, structured finance, commercial banking, or related financial services
• Strong credit analysis, financial modeling, and deal structuring skills
• Prior experience with due diligence and ongoing loan servicing of investor-backed companies is required
• Excellent communication and relationship-building skills
• Familiarity with SaaS metrics, startup financials, and growth company dynamics preferred
• Proficiency in Excel, loan servicing, and portfolio monitoring tools

Education & Certifications:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field; MBA, CPA or CFA a plus
• Understanding of applicable lending regulations and best practices in credit risk management

Benefits & Perks

• Compensation commensurate with experience
• Flexible work schedule
• Unlimited vacation
• Medical, dental, and vision insurance
• Ongoing education and training
• Bonuses and profit‑sharing