Credit Analyst / Approval
Responsibilities:
• Review financial statements, including balance sheets, profit/loss statements, and cash flow statements, to evaluate the financial standing of prospective and existing borrowers.
• Assess and approve credit applications and annual credit reviews, including assigning credit ratings for each borrower.
• Provide independent credit assessments and recommendations, ensuring compliance with the branch’s credit policies and procedures.
• Collaborate closely with internal stakeholders to align business needs with risk appetite.
• Offer advisory support and industry insights on sectors such as Shipping, REITs, Trade, Logistics, and Transportation.
• Conduct in-depth industry research and develop branch-specific credit policies.
• Monitor corporate loan portfolios to ensure compliance with the bank’s overall credit risk strategies.
• Review and validate credit decision-making processes, identify areas for improvement, and refine credit models.
• Develop or update branch credit policies and procedures in line with Head Office policies, internal/external audit requirements, and regulatory mandates.
• Address issues raised by auditors and MAS related to credit matters.
• Undertake ad-hoc projects and other duties as assigned by the Deputy Head of Department.
Requirements:
• A recognized degree, CFA charter holder preferred.
• Minimum 15 years of experience in credit risk within banking or a credit rating agency.
• Strong expertise in structured trade and commodity finance, project finance (including aircraft/shipping leasing, transportation, and logistics).
• Well-versed in financial regulations across Singapore and the ASEAN region.
• Excellent communication skills.
• Fluency in English and Mandarin to liaise with Mandarin-speaking colleagues from Head Office.
• Ability to work independently and perform under pressure.
Responsibilities:
• Review financial statements, including balance sheets, profit/loss statements, and cash flow statements, to evaluate the financial standing of prospective and existing borrowers.
• Assess and approve credit applications and annual credit reviews, including assigning credit ratings for each borrower.
• Provide independent credit assessments and recommendations, ensuring compliance with the branch’s credit policies and procedures.
• Collaborate closely with internal stakeholders to align business needs with risk appetite.
• Offer advisory support and industry insights on sectors such as Shipping, REITs, Trade, Logistics, and Transportation.
• Conduct in-depth industry research and develop branch-specific credit policies.
• Monitor corporate loan portfolios to ensure compliance with the bank’s overall credit risk strategies.
• Review and validate credit decision-making processes, identify areas for improvement, and refine credit models.
• Develop or update branch credit policies and procedures in line with Head Office policies, internal/external audit requirements, and regulatory mandates.
• Address issues raised by auditors and MAS related to credit matters.
• Undertake ad-hoc projects and other duties as assigned by the Deputy Head of Department.
Requirements:
• A recognized degree, CFA charter holder preferred.
• Minimum 15 years of experience in credit risk within banking or a credit rating agency.
• Strong expertise in structured trade and commodity finance, project finance (including aircraft/shipping leasing, transportation, and logistics).
• Well-versed in financial regulations across Singapore and the ASEAN region.
• Excellent communication skills.
• Fluency in English and Mandarin to liaise with Mandarin-speaking colleagues from Head Office.
• Ability to work independently and perform under pressure.