Vice President Credit Analyst, Global Financial Institutions Group

Sumitomo Mitsui Banking Corporation; Singapore; On-site; SGD 70,000 - 100,000; Full time

Job summary

A leading financial institution in Singapore seeks an experienced Credit Analyst to prepare credit applications, conduct credit analysis, and monitor portfolio risks. The ideal candidate should have 7-10 years of relevant experience, strong knowledge of deal structures, and banking products. This role offers an opportunity to work in a dynamic environment and contribute to strategic initiatives.

Qualifications

• 7-10 years of relevant experience as Credit Analyst or Transactor.
• Deep understanding of deal structures and banking products.
• Ability to provide comprehensive credit analysis.

Responsibilities

• Prepare credit applications with detailed risk analysis.
• Ensure timely review of credit limits and ratings.
• Monitor portfolio for early identification of potential issues.
• Work with Relationship Managers for seamless transaction execution.

Skills

Credit analysis

Deal structuring

Financial statement analysis

Understanding of legal documents

Job description

Job Responsibilities

• Prepare credit applications (new and renewal) with detailed analysis of key risks, deal structures, terms & conditions and deal rational.
• Ensure timely review of credit limits & counterparty rating in line with bank’s internal policies.
• Keep abreast with bank’s credit policies and applicable laws and regulations.
• Present credit views effectively to department co-Heads and credit department.
• Regular monitoring of portfolio for early identification of potential problem counterparties for remediation actions.
• Work with Relationship Managers in deal structuring and co-ordinate with product partners, control functions, middle office, and overseas branches to ensure seamless execution of transactions.
• Understand and recommend appropriate credit terms in documentation including loan facility, ISDA, CSA etc.
• Support the Head of Credit, GFIG where needed, with ad hoc requirements and strategic initiatives to enhance department’s activities and processes.

Job Requirements

• Candidate should have at least7-10 years of relevant experience as Credit Analyst or Transactor with international banks/ major financial institutions.
• Deep understanding of deal structures,banking products and financial statements.
• Ability to provide comprehensive credit analysis on a wide range of financial institutions and deal structures.
• Good understanding of legal documents and regulatory framework related to NBFI-lending in the APAC region though not a must, will be an advantage.