Credit Analyst /Approval, Risk Management

Responsibilities

Review of spreading for balance sheet, profit/loss and cashflow statement, provide evaluation of financial standings of prospective clients and existing borrowers

Review of credit applications and annual credit reviews, including credit rating for each borrower for approval

Provide independent credit assessment and recommendation and ensure compliance against the Branchs credit policies and procedures

To work closely with relevant internal stakeholders to achieve business needs within risk appetite

Conduct in-depth research on key industries and formulate branch industry credit policies.

Monitor the performance of corporate loan portfolios to ensure they comply with the bank-wide credit risk strategies

Reviewing and validating credit decision process and credit modelling and identifying areas for improvements

Formulate or update branch internal policies and procedures according to HO policies, internal & external audit requirements, as well as regulatory mandate.

Address issues raised by auditors and MAS relating to credit matters

Undertake ad-hoc projects and other duties assigned by Deputy Head of Department from time to time

Requirements

A recognized degree

Minimum 10 years of credit risk experience on Banking or credit rating agency

Experienced in structured trade and commodity finance, project finance (not limited to aircraft/shipping leasing, transportation, logistic)

Familiar with the laws and regulations in Singapore and ASEAN region

Excellent communication skills

Fluency in English and Mandarin to liaise with Mandarin speaking Head Office colleagues.

Ability to work independently

Able to work under pressure

**Only Shortlisted Candidates will be notified. Singaporeans and PRs are preferred.