Job Description:
Overview:
We are looking for a qualifiedproperty valuerwith strong financial acumen to join our team as aProperty Valuer Credit & Risk Assessment. The role involves assessing property-backed mortgage loan applications, analysing collateral valuations, and performing financial analysis using Excel. This is an ideal opportunity for someone with valuation training who is interested in applying their skills within a credit and lending context.Strong Excel skills and a meticulous, detail-oriented mindset are essential. Attractive remuneration will be offered to the right candidate.
Key Responsibilities:
- Review and assess residential and commercial property valuations submitted in support of loan applications
- Conduct desktop valuations and cross-check third-party valuation assumptions and comparables
- Build financial models in Excel to support credit assessments (e.g., loan servicing analysis, stress testing, LTV calculations)
- Analyse borrower profiles, property data, and market trends to assess lending risk
- Draft credit reports and recommendations for loan approval committees
- Collaborate with external valuers, legal counsel, and internal stakeholders throughout the credit assessment process
- Monitor the performance of the real estate loan portfolio and flag potential risks
Requirements:
- Degree or diploma in Real Estate, Building & Construction, Finance, or a related field
- Formal valuation training (e.g., SISV, RICS, or equivalent) is strongly preferred
- 35 years of experience in property valuation, real estate lending, or credit analysis
- Advanced proficiency in Microsoft Excelis a must, including financial modelling, pivot tables, lookups, and scenario analysis
- Familiarity with Singapore property markets and valuation standards
- Highly detail-oriented, analytical, and able to communicate findings clearly in writing
Preferred Qualifications:
- Experience working in a real estate consultancy, bank, or financial institution
- Knowledge of MAS property lending regulations
- Understanding of mortgage documents and legal due diligence
