Credit Risk Analyst, Senior

Achieve Group; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Achieve Group in Singapore seeks a Senior Credit Analyst to own counterparty credit assessment and portfolio monitoring in a commodities trading environment. You will provide independent credit judgement, engage with trading teams and senior stakeholders, and support business activities while managing credit risk.

You will lead assessments of new and existing counterparties, formulate credit recommendations, monitor exposures, and contribute to policy improvements.

Qualifications

• Degree in Finance, Accounting, Economics or related discipline.
• Excellent financial analysis and risk assessment capabilities.
• Ability to engage trading teams and senior stakeholders while balancing commercial objectives.
• Knowledge of credit support and risk mitigation tools.
• Strong communication and presentation skills.

Responsibilities

• Lead credit assessments of new and existing counterparties, analysing financial statements, cash flow, industry outlook and country risks.
• Formulate credit recommendations, including limits, tenors and risk mitigation for internal approval.
• Manage ongoing portfolio reviews, monitoring credit exposure and limit utilisation.
• Identify emerging risks and recommend actions to address deteriorating credit profiles.
• Partner with trading, operations, finance and legal teams to assess transactions and credit terms.
• Prepare and present credit proposals and portfolio risk updates to senior management.
• Strengthen credit policies, methodologies and reporting processes.
• Provide guidance to junior colleagues and contribute to risk projects.

Skills

Financial analysis

Credit risk

Stakeholder engagement

Credit terms

Risk mitigation

Communication

Presentation skills

Education

Degree in Finance/Accounting/Economics

Job description

We are seeking a Senior Credit Analyst to take ownership of counterparty credit assessment and portfolio monitoring within a commodities trading environment. The role requires independent credit judgement, commercial awareness and close engagement with trading and senior stakeholders to support business activities while managing credit risk.

Responsibilities:

• Lead credit assessments of new and existing counterparties, analysing financial statements, cash flow, industry outlook and country risks.
• Formulate credit recommendations, including appropriate limits, tenors and risk mitigation measures, for internal approval.
• Manage ongoing portfolio reviews, monitoring credit exposure, limit utilisation and changes in counterparty creditworthiness.
• Identify and escape emerging risks, recommending appropriate actions to address deteriorating credit profiles or exposure concerns.
• Partner with trading, operations, finance and legal teams to assess transactions, advise on credit terms and resolve credit-related issues.
• Prepare and present credit proposals and portfolio risk updates to senior management and relevant approval committees.
• Strengthen credit policies, assessment methodologies and reporting processes, ensuring adherence to internal risk requirements.
• Provide guidance to junior colleagues and contribute to credit risk projects and process improvements.

Requirements:

• Degree in Finance, Accounting, Economics or a related discipline.
• Approximately 8–10 years of relevant credit risk experience, with substantial exposure to commodities or energy trading.
• Strong financial analysis skills and the ability to independently assess complex counterparties and formulate sound credit recommendations.
• Good understanding of trading exposures, credit support arrangements and risk mitigation tools.
• Proven ability to engage trading teams and senior stakeholders, balancing commercial objectives with disciplined risk management.
• Strong communication and presentation skills, with the ability to clearly articulate credit views and constructively challenge proposals.
• Ability to manage competing priorities and work independently in a fast-paced trading environment.