Credit Executive (Bank) Contract

Tangspac Consulting Group; Lavender (TX); On-site; USD 39,000 - 63,000; Part time

Job summary

Tangspac Consulting Group is seeking a credit analyst to conduct independent credit assessments for SME clients, reviewing lending proposals and analyzing cash flow and other financial indicators. You will work with Relationship Managers to structure credit facilities in line with the bank's risk appetite.

The role requires 1–3 years of credit risk experience, familiarity with CBES/ACRA, and strong analytical and communication skills.

Qualifications

• Degree or Diploma in Banking, Finance, Accounting, Economics or related discipline.
• 1 to 3 years of relevant experience in credit assessment, credit underwriting, credit risk, SME lending or banking operations.
• Experience in assessing unsecured lending and credit card applications is advantageous.
• Familiarity with CBES, ACRA and credit bureau reports.

Responsibilities

• Conduct independent credit assessments for SME clients by analysing financial statements, performance and risk.
• Review lending proposals to determine creditworthiness and risks.
• Analyze key financial indicators like cash flow, leverage and liquidity.
• Assess industry and customer risks and identify early warning indicators.
• Review credit reports and information to support lending decisions.
• Ensure credit proposals comply with internal policies and regulatory requirements.
• Collaborate with Relationship Managers to structure credit facilities aligned with risks.

Skills

Analytical thinking

Numerical proficiency

Communication skills

Stakeholder management

Attention to detail

Multitasking

Education

Degree or Diploma in Banking, Finance, Accounting, Economics or related

Tools

CBES

ACRA

Credit bureau reports

Job description

8 months renewable Contract

Location - Textile Centre, Jalan Sultan ( Nearest Mrt - Lavender)

Bank

Key Responsibilities

• Conduct independent credit assessments for SME clients by analysing financial statements, business performance, repayment conduct and overall risk exposure.

• Review and assess various types of lending proposals to determine creditworthiness and associated risks.

• Analyse key financial indicators including cash flow, leverage, profitability, liquidity and debt servicing capability.

• Assess industry, business and customer specific risks and identify potential early warning indicators.

• Review credit reports and relevant financial information to support informed lending decisions.

• Evaluate customer creditworthiness for both new onboarding and continued business relationships.

• Review and validate credit documentation and financial information to ensure accuracy, completeness and timely processing.

• Review customer information from sources such as CBES, ACRA and existing loan repayment conduct as part of the bank's credit risk assessment framework.

• Ensure credit proposals and supporting documentation comply with internal policies, approval authorities, regulatory requirements and risk management frameworks.

• Collaborate closely with Relationship Managers to understand client requirements and structure credit facilities that are aligned with business needs and the bank's risk appetite.

• Verify credit reviews and risk assessments for different types of lending proposals.

• Identify and elevate exceptions, policy deviations and material credit risks to the appropriate approval authorities.

Key Requirements

• Degree or Diploma in Banking, Finance, Accounting, Economics or a related discipline.

• 1 to 3 years of relevant experience in credit assessment, credit underwriting, credit risk, SME lending or banking operations.

• Experience in assessing unsecured lending and credit card applications will be advantageous.

• Strong understanding of financial analysis, including cash flow, leverage, profitability, liquidity and debt servicing capacity.

• Familiarity with CBES, ACRA, credit bureau reports and repayment conduct analysis.

• Good understanding of KYC, credit risk management, internal credit policies and regulatory requirements in Singapore.

• Strong attention to detail, particularly when reviewing credit documentation and financial information.

• Good stakeholder management skills with the ability to work effectively with Relationship Managers and business teams.

• Strong analytical, numerical and problem solving skills.

• Ability to manage multiple credit applications and meet turnaround time requirements.

• Strong written and verbal communication skills.