Senior Credit Analyst

Intesa Sanpaolo; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Intesa Sanpaolo seeks a Credit Officer to join the Credit Officer International Network APAC team in Singapore, delivering independent credit assessments for Corporate and Structured Finance across APAC. You will analyse counterparties, financial performance, financing structures and repayment capacity, and recommend appropriate risk mitigants.

You will review proposals, challenge key assumptions, prepare credit memoranda, monitor exposures and support timely credit decisions in line with

Qualifications

• 6+ years of experience in credit analysis, underwriting, structuring, or related credit risk roles in international banking.
• University degree in Economics, Finance, Accounting, Engineering or related discipline.
• Experience in Corporate and Structured Finance credit underwriting, including financial statement, cash flow and repayment-capacity analysis.

Responsibilities

• Review Corporate and Structured Finance proposals across APAC, including new transactions, refinancings, amendments and waivers.
• Assess counterparties, financial performance, cash flows, financing structures, repayment sources, covenants and security packages.
• Evaluate business profiles, sponsors, ownership, contractual frameworks, industry and regulatory risks.
• Review financial models, business plans and sensitivities, challenge assumptions and benchmark credit metrics.
• Prepare credit memoranda highlighting strengths, key risks, mitigants and independent recommendations.
• Verify proposal completeness, internal ratings, risk indicators, group exposure, country risk availability and approval authorities.
• Liaise with APAC Business Units and Head Office Underwriting Units to support the credit decision process and recommend risk mitigants.
• Support annual reviews and monitor exposures, identifying deterioration risks and tracking corrective actions.

Skills

Credit analysis

Underwriting

Structured Finance

Financial modeling

Cash flow analysis

Risk assessment

Excel

English proficiency

Education

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

Tools

Microsoft Excel

Microsoft Word

Job description

You will join the Credit Officer International Network APAC team at Intesa Sanpaolo and provide independent credit assessment for Corporate and Structured Finance transactions across APAC. You will analyse counterparties, financial performance, financing structures and repayment capacity, challenge key assumptions and recommend appropriate risk mitigants. You will also monitor exposures and support sound, timely credit decisions in line with the Bank’s policies and risk appetite.

What you'll be doing

The key responsibilities will be:

• Review Corporate and Structured Finance proposals across APAC, including new transactions, refinancings, amendments and waivers
• Assess counterparties, financial performance, cash flows, financing structures, repayment sources, covenants and security packages
• Evaluate business profiles, sponsors, ownership, contractual frameworks, industry and regulatory risks
• Review financial models, business plans and sensitivities, challenge assumptions and benchmark credit metrics
• Prepare credit memoranda highlighting strengths, key risks, mitigants and independent recommendations
• Verify proposal completeness, internal ratings, risk indicators, group exposure, country risk availability and approval authorities
• Liaise with APAC Business Units and Head Office Underwriting Units to support the credit decision process and recommend risk mitigants
• Support annual reviews and monitor exposures, identifying deterioration risks and tracking corrective actions

Who we are looking for

If you want to turn your passion into a career and you have the following characteristics, we are waiting for you:

• At least 6 years of experience in credit analysis, underwriting, structuring, or other credit risk-related roles within international banking institutions is required
• University degree in Economics, Finance, Accounting, Engineering or a related discipline
• Corporate and/or Structured Finance credit underwriting, including financial statement, cash flow and repayment-capacity analysis
• Assessment of business profiles, ownership structures, industry risks, financing terms, covenants and security packages
• Financial model review, forecasting, scenario and sensitivity analysis
• Knowledge of APAC markets, cross-border lending, country risk, banking regulation, credit policies and risk governance.
• Proficiency in Microsoft Excel and Word
• English at proficient level, written and spoken
• Preferred: CFA, FRM, postgraduate studies in Finance, Accounting or Structured Finance, or an additional relevant APAC or Italian language.

About us

We are the leading banking group in Italy and one of the Top Tier in Europe. Join us and be part of our successful story!

With over 20 million customers in Italy and abroad, we are a true engine of sustainable growth, with a strong commitment to the environment and a tangible impact on society. People are our driving force. We take care of them and foster an inclusive culture where everyone feels valued and empowered.

The Chief Lending Officer area oversees the Group’s credit model, ensuring its quality and effective operation. It operates through an integrated governance model, combining a cross-functional approach with specialized activities in lending, credit management and risk prevention, striking a balance between regulatory compliance, credit quality and overall Group performance.

Join an international and innovative Group. Don't wait for the future, choose it!

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We guarantee an inclusive and equal environment. We will consider all applicants regardless of race, religion, sexual orientation, gender identity, marital status, national origin, age, disability, or any other protected category in compliance to D.lgs. 198/2006, 215/03 and 216/03.