Strategic Credit Risk & Portfolio Analysis Lead

CIMB Singapore; Singapore; On-site; SGD 70,000 - 105,000; Full time

Job summary

CIMB Singapore is seeking a Credit Analyst to support credit submissions, renewals and reviews, performing financial analysis, cash flow projections and risk assessment for diverse corporate clients.

The role involves close collaboration with relationship managers and risk teams to ensure timely documentation and sound lending decisions, while helping monitor portfolio risk and governance in line with policy.

Qualifications

• Bachelor’s or Master’s degree in Accounting/Finance/Business/Economics or equivalent.
• At least 3 years of credit analysis or credit risk experience.
• Strong financial analysis and cash flow assessment skills.
• Good written and verbal communication; ability to work with multiple stakeholders.

Responsibilities

• Prepare and conduct comprehensive credit submissions including new-to-bank proposals.
• Perform credit renewals, annual and interim reviews, and facility amendments.
• Analyze financial performance, cash flow, business model, and industry risks.
• Maintain up-to-date financials, internal ratings, and risk information for accounts.
• Coordinate with RMs, Credit Approvers, Risk, Portfolio Management and Credit Admin.
• Support portfolio stress testing and monitor covenant compliance.
• Prepare and present credit recommendations aligned with risk appetite.
• Ensure adherence to credit policies and regulatory requirements.

Skills

Financial analysis

Cash flow assessment

Credit risk principles

Regulatory understanding

Communication skills

Stakeholder management

Deadline management

Education

Bachelor’s or Master’s Degree in Accounting/Finance/Business/Economics or equivalent

Job description

CIMB Singapore is seeking a Credit Analyst to support credit submissions, renewals and reviews, performing financial analysis, cash flow projections and risk assessment for diverse corporate clients.

The role involves close collaboration with relationship managers and risk teams to ensure timely documentation and sound lending decisions, while helping monitor portfolio risk and governance in line with policy.