Credit Analyst

Bizcap Singapore

Singapore

2-4 Years

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Posted 20 hours ago
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Job Description

Company Description

Bizcap is dedicated to empowering SMEs worldwide with quick and flexible business loans. With operations in Australia, New Zealand, United Kingdom, Luxemburg, Germany and Singapore. Bizcap's innovative credit assessment process enables loan approvals within 3 hours and funding as fast as 24 hours for amounts ranging from $5,000 to $500,000. Since its establishment in 2019, Bizcap has funded over 30,000 loans totaling more than $1.5 billion, earning a stellar 4.9/5 TrustPilot rating from 1,300+ reviews.

Role Description

This is a full-time role, based in Singapore with opportunities for hybrid work. The Credit Analyst role supports Bizcap's expansion into Asia by assessing SME loan applications, providing sound credit decisions, and ensuring deals are structured effectively. The way Bizcap assesses Credit is very unique, and you are encouraged to think outside the box and challenge the way deals and offers are structured.

Assess SME loan applications and make well-reasoned, risk-based credit recommendations.
Review financial statements, credit reports, and other risk indicators to determine creditworthiness.
Assist in structuring secured and unsecured loans, ensuring compliance with lending policies.
Prepare clear credit assessments and provide input into credit decisions.
Support the monitoring of portfolio performance and highlight potential risks or trends.
Assist with hardship assessments by analysing customer circumstances and proposing solutions.
Maintain accurate records and data integrity across systems.
Collaborate with senior underwriters and contribute to process improvements within the team.

Must-Haves:

23 years experience as a Credit Analyst, Junior Underwriter, or in a similar credit or financial services role.
Foundational financial analysis and strong Excel skills.
Fluency in Mandarin and English

Nice-to-Haves: