Job Description

Job Responsibilities:

Prepare and write credit proposals, including credit analysis, financial assessments, risk considerations and recommendations for approval.
Evaluate credit applications by reviewing financial statements, income, cash flow, repayment capacity and credit history.
Conduct financial analysis to assess borrowers financial position, debt-servicing ability and overall creditworthiness.
Identify potential credit risks and recommend appropriate risk mitigation measures, including collateral, and lending conditions where applicable.
Provide objective and well-supported credit recommendations to the relevant approving authorities.
Ensure credit assessments comply with internal credit policies, approval limits and applicable regulatory requirements.
Monitor existing credit facilities and identify early warning indicators of potential credit deterioration.
Liaise with relevant internal departments to facilitate effective credit evaluation and decision-making.
Contribute to the review and improvement of credit assessment procedures and risk management practices.

Job Requirements:

Diploma or Degree in Banking, Finance, Accounting, Business or a related discipline.
Relevant experience in credit risk management, credit evaluation, credit underwriting or a related function.
Hands-on experience in writing credit proposals, conducting credit evaluations and performing credit assessments.
Knowledge of financial statement analysis, cash flow assessment, repayment capacity evaluation and credit risk analysis.
Ability to analyse financial information and prepare clear, structured and evidence-based credit recommendations.
Understanding of credit policies, lending procedures and risk mitigation practices.
Strong analytical, report-writing and communication skills.
Ability to manage multiple credit applications and meet business timelines.

HOW TO APPLY:

Interested applicants, please click on Apply Now. We regret only shortlisted candidates will be notified.

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Trust Recruit Pte Ltd

EA License No: 19C9950

EA Personnel: Khor Khang Qin

EA Personnel Reg No: R22109669