Job Description

About the Role:

MariBank is seeking a Credit Analyst to join its Credit Risk team, responsible for assessing and monitoring credit risk across the bank's Treasury and Large Corporate counterparty portfolios. This role combines hands-on credit analysis with broader responsibilities in management and regulatory reporting, offering exposure to both counterparty risk management and the operational backbone of the bank's credit function.

Key Responsibilities

Credit Analysis & Portfolio Monitoring:
Conduct credit assessments of Treasury counterparties (banks, financial institutions) and Large Corporate borrowers, including financial spreading, ratio analysis, and qualitative risk assessment
Prepare credit memos and annual/periodic reviews recommending credit limits, ratings, and terms
Monitor counterparty and borrower credit quality on an ongoing basis, flagging emerging risks (covenant breaches, rating migrations, adverse news, sector developments)
Track and manage credit limit utilization, expiries, and renewal pipelines
Support due diligence for new counterparty onboarding and limit requests
Assist in credit assessment of loan channeling partners, including partner-level due diligence and ongoing portfolio quality monitoring
Liaise with Business, Treasury, Legal, and other stakeholders on credit-related matters
Contribute to process improvements and automation of credit workflows and reporting
Credit Policy:
Support the update, maintenance, and ownership of credit management policies and guidelines, ensuring they remain current with portfolio developments and regulatory expectations
Management Reporting
Prepare periodic credit risk management reports (portfolio composition, concentration, watchlist, exposure trends) for senior management and risk committees
Prepare presentations and materials for management reporting and risk committee updates
Maintain and enhance reporting templates/dashboards to improve accuracy and turnaround time
Regulatory Reporting & Stress Testing:
Assist in preparing and reviewing credit-risk-related regulatory submissions (e.g., MAS returns) in coordination with Regulatory Reporting teams
Support stress testing of the credit portfolio, including scenario analysis and results reporting
Support data quality checks, reconciliations, and documentation to ensure regulatory reporting accuracy and audit readiness.

Requirements

Bachelor's degree in Finance, Accounting, Economics, or related field
5+ years of experience in credit analysis, covering either financial institutions/Treasury counterparties or large corporate (both an advantage)
Strong financial statement analysis and credit assessment skills
Financial projection and modelling skills, with ability to build and assess forward looking scenarios as part of credit and stress testing analysis
Familiarity with regulatory reporting requirements for banks in Singapore (MAS) is a plus
Proficiency in Excel; experience with credit systems or reporting automation tools is an advantage
CFA, FRM, ACCA/CA, or other relevant professional qualification (completed or in progress) is a plus
Strong written and verbal communication skills; ability to present analysis clearly to senior stakeholders
Detail-oriented, organized, and able to manage multiple deliverables under deadline pressure

Credit Analyst Treasury & Large Corporate Counterparties