Senior Credit Analyst (SME)

MICHAEL PAGE INTERNATIONAL PTE LTD; Singapore; On-site; SGD 80,000 - 120,000; Full time

Job summary

A leading financial institution in Singapore is seeking an experienced professional to shape regional trade finance and drive SME growth through smarter credit decisions. The successful candidate will have at least 8 years of experience in SME credit underwriting, strong analytical skills, and the ability to work independently. This role offers competitive compensation, broad exposure to cross-border SME lending, and a clear career pathway within a collaborative platform.

Benefits

Competitive compensation

Clear career pathway

Cross-border exposure

Qualifications

• At least 8 years' experience in SME credit underwriting within a bank or regulated financial institution.
• Strong understanding of trade finance, receivables finance, or working capital lending.
• Demonstrated ability to work independently on credit assessments.
• Strong analytical, written, and presentation skills with sound commercial and risk judgment.

Responsibilities

• Conduct credit screening, due diligence, and financial analysis on new and existing SME clients.
• Prepare and present comprehensive credit proposals and risk assessments.
• Assess and manage credit insurance limits and internal exposures.
• Monitor post-lending performance.
• Partner closely with relationship management, risk, and operations teams.
• Contribute to the enhancement of credit processes and reporting standards.

Skills

SME credit underwriting

Trade finance

Financial analysis

Analytical skills

Presentation skills

Job description

• Shape regional trade finance with your credit expertise
• Drive SME growth through smarter credit decisions

About Our Client

The organisation is part of a global financial group with deep expertise in trade and supply chain finance. Its Singapore platform focuses on enabling SME clients to access structured financing that supports business growth, trade expansion, and liquidity optimisation. The environment offers strong governance, regional exposure, and long-term career development within a collaborative and stable platform.

Job Description

• Conduct credit screening, due diligence, and financial analysis on new and existing SME clients, including review of financial statements and external credit data.
• Prepare and present comprehensive credit proposals and risk assessments, recommending appropriate credit limits, structures, and terms.
• Assess and manage credit insurance limits and internal exposures in line with approved risk appetite and credit policies.
• Monitor post-lending performance, including payment behaviour, covenant compliance, and early warning indicators.
• Partner closely with relationship management, risk, and operations teams to support prudent portfolio growth.
• Contribute to the enhancement of credit processes, reporting standards, and audit readiness across the credit function.

The Successful Applicant

• At least 8 years' experience in SME credit underwriting within a bank or regulated financial institution.
• Strong understanding of trade finance, receivables finance, or working capital lending.
• Demonstrated ability to work independently on credit assessments while collaborating across front-office and risk stakeholders.
• Strong analytical, written, and presentation skills, with sound commercial and risk judgment.

What's on Offer

This role offers the opportunity to be part of a growing regional banking platform with strong institutional backing and a robust governance framework. You will gain broad exposure to cross-border SME and trade finance lending, work closely with experienced credit and business professionals, and contribute meaningfully to portfolio growth. The organisation offers a clear career pathway, regional visibility, and competitive compensation aligned with experience and performance.

Contact

Devan Nanthacumar (Lic No:R1871442 / EA no:18S9099)

Quote job ref

JN-102025-6867897

Phone number

[phone]