Credit Risk Analyst (Executive Officer)

Agricultural Bank of China; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Agricultural Bank of China in Singapore seeks a seasoned risk management professional to liaise with front-office and back-office teams in processing credit and trade transactions. You will evaluate corporate credit risk, monitor terms, and ensure compliance prior to drawdown of facilities.

You will produce risk reports (RWA, asset risk limits, MAS610) and implement risk policies, drafting credit procedures.

Qualifications

• Degree in Banking/Finance or equivalent professional qualification like ACCA/CFA/FRM.
• Minimum 6 years of experience in banking risk management.
• Good knowledge of finance, commercial laws, industries, and global market environments.

Responsibilities

• Liaise with Branch’s front-office and back-office in processing of credit and trade transactions.
• Evaluate corporate credit risk relating to credit terms and conditions prior to drawdown of facilities.
• Monitor and ensure compliance with applicable credit terms, repayment capability, accounts conduct, securities and guarantees.
• Provide timely risk reporting including Credit Asset Risk Limit Report, RWA, Commitment and Unused Limit Report, and MAS610 reporting.
• Implement branch and Head Office risk policies and procedures; draft and update credit management policy.
• Write reports in Business Chinese for submission to Head Office and complete other reporting duties.
• Execute other ad hoc assignments as assigned by department manager.

Skills

Credit Risk

Risk Management

Credit Assessment

Regulatory Knowledge

Financial Analysis

Stakeholder Communication

Education

Degree in Banking/Finance or ACCA/CFA/FRM

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.