Overview:
We are looking for a proactive and analytical Credit Analyst to join our Corporate & Syndicated Lending team. This role is critical in assessing credit applications (C/A), analyzing financial health, and structuring solutions that align with both client needs and the bank's risk appetite.
Key Responsibilities:
- Prepare and evaluate credit applications (C/A) with full financial statement analysis, risk assessments, and lending recommendations.
- Analyse key financial ratios, industry outlooks, and peer comparisons to support decision-making.
- Build financial models and develop cash flow projections to assess repayment capacity.
- Structure appropriate credit products and conditions tailored to client business models and the bank's risk parameters.
- Monitor portfolio performance, ensuring timely reviews and risk surveillance.
- Ensure compliance with internal credit policies and regulatory frameworks.
- Liaise with relationship managers and risk teams to support credit structuring and approval processes.
Requirements:
- Singapore or PR only
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- Strong proficiency in Microsoft Excel for financial analysis and modelling.
- Sound understanding of financial statements and credit fundamentals.
- At least 3 years of experience in Credit analysis role in Banking industry, preferably in Corporate or syndicated lending.
- Excellent analytical and problem-solving skills with attention to detail.
- Positive, can-do attitude adaptable and a strong team player with collaborative spirit.
- Ability to speak and understand Thai is a significant advantage
