Credit Risk Analyst (Executive Officer)

AGRICULTURAL BANK OF CHINA LIMITED; Singapore; On-site; SGD 100,000 - 170,000; Full time

Job summary

A leading financial institution in Singapore seeks a seasoned Banking Risk Manager to oversee credit risk, compliance and reporting across branch operations. You will evaluate credit terms, monitor repayment capability and conduct risk analyses to ensure adherence to the bank's risk framework.

The role requires at least 6 years of banking risk management experience, strong knowledge of finance and regulatory environments, and the ability to work under tight deadlines.

Qualifications

• Degree in Banking/Finance or equivalent professional qualification.
• Minimum 6 years of experience in banking risk management.
• Good knowledge of finance, commercial laws and global markets.
• Good knowledge of credit assessment processes and procedures.
• Ability to work under pressure and meet tight deadlines.

Responsibilities

• Liaise with Branch front-office and back-office to process credit and trade transactions.
• Evaluate corporate credit risk before drawdown of facilities to ensure compliance.
• Monitor applicable credit terms, repayment capability, and guarantees.
• Provide risk solutions per Credit Risk Management framework.
• Prepare and submit risk management reports (e.g., Credit Asset Risk Limit, RWA, MAS610).
• Implement branch/Head Office risk policies and update credit procedures.
• Draft credit management policies and write reports for Head Office in Business Chinese.
• Execute other ad-hoc assignments as directed.

Skills

Credit risk

Risk reporting

Credit assessment

Financial analysis

Regulatory compliance

Education

Degree in Banking/Finance

ACCA/CFA/FRM (optional)

Job description

Job Description

Liaise with Branch's front-office and back-office departments in processing of credit and trade transactions.

Evaluate corporate credit risk relating to credit terms and conditions prior to drawdown of facilities, to ensure full compliance and adherence prior to sign-off.

Monitor and ensure the applicable credit terms and conditions, repayment capability, conducts of account, securities and guarantees are under control.

Close monitoring of the related risks and other material developments for the credit risk assets, and to timely propose applicable risk solutions in accordance to Credit Risk Management framework and other related risk requirements.

Timely completing all risk management reports (including but not limited to Credit Asset Risk Limit Report, RWA, Commitment and Unused Limit Report, Branch's Asset Analysis Report etc) and other reporting assignments.

Implementing the branch and Head Office's designated risk related policies and instructions.

Drafting and updating credit management policy and procedure.

Writing of reports in Business Chinese for submission to Head Office, and complete other reporting duties such as MAS610.

Execute other adhoc assignments assigned by department manager.

Job Requirement

• Degree in Banking/Finance or equivalent professional qualification such as ACCA, CFA, FRM and etc.
• Minimum 6 years of experience in banking risk management
• Good knowledge in finance, commercial laws, industries, political , economic environments in the global financial markets
• Good knowledge of credit assessment processes/procedures
• Able to work under pressure/tight deadlines.