Senior Corporate Credit Analyst — Risk & Growth

UPPER SPRING CONSULTING PTE. LTD.; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Singapore Branch of a large Chinese bank is seeking an experienced Corporate Credit Analyst to perform in-depth credit assessments for corporate customers. You will evaluate financial performance, industry risks, and repayment capacity to provide sound credit recommendations in line with regulatory requirements and the bank's policies.

You will monitor credit facilities and risk indicators, identify early warning signals, and propose mitigations.

Qualifications

• Bachelor’s degree or above in Finance, Accounting, Economics, Business or a related discipline.
• Minimum 8 years of relevant experience in corporate credit analysis or credit risk assessment.
• Strong knowledge of financial statement analysis and corporate credit assessment.
• Understanding of corporate credit risk management and risk mitigation practices.
• Fluency in English and Chinese is essential for collaborating with Head Office counterparts.
• Professional qualifications such as CFA, FRM or ACCA will be an advantage.

Responsibilities

• Conduct comprehensive credit analysis and assessment of corporate customers.
• Analyse financial performance, cash flow, repayment capacity and creditworthiness.
• Assess overall credit risk of corporate groups and assign client ratings.
• Identify risk factors and recommend mitigation measures and controls.
• Provide credit opinions on proposals for the Pre-Trial Committee and support as required.
• Conduct industry research on market trends, dynamics, and risks.
• Monitor facilities, commitments and key risk indicators for compliance.
• Identify early warning signals and advise remedial actions.
• Stay updated on regulatory requirements and bank credit policies.
• Support other credit risk analyses and ad hoc projects.

Skills

Credit analysis

Financial analysis

Risk assessment

Analytical thinking

Communication skills

Fluency in English and Chinese

Education

Bachelor’s degree in Finance, Accounting, Economics, Business

Job description

Singapore Branch of a large Chinese bank is seeking an experienced Corporate Credit Analyst to perform in-depth credit assessments for corporate customers. You will evaluate financial performance, industry risks, and repayment capacity to provide sound credit recommendations in line with regulatory requirements and the bank's policies.

You will monitor credit facilities and risk indicators, identify early warning signals, and propose mitigations.