We are representing our client, the Singapore branch of a large Chinese bank, to look for an experienced Corporate Credit Analyst to join the Risk Management Department. The successful candidate will be responsible for conducting in-depth credit assessments of corporate customers, evaluating financial and industry risks, and providing sound credit recommendations in accordance with regulatory requirements and the Bank's credit policies.
Job Responsibilities
- Conduct comprehensive credit analysis and assessment of corporate customers, including reviewing credit applications for compliance with regulatory requirements and the Bank's credit policies.
- Analyse customers financial performance, business operations, cash flow, repayment capacity and overall creditworthiness to identify key credit risks.
- Assess the overall credit risk of corporate groups and determine appropriate client credit ratings.
- Identify key risk factors and recommend effective risk mitigation measures, credit controls and appropriate risk management strategies.
- Review and provide credit opinions on proposals submitted to the Pre-Trial Committee, including providing relevant support and secretarial duties as required.
- Conduct industry and sector research covering market trends, competitive dynamics, industry outlook and emerging risks across assigned sectors.
- Monitor approved credit facilities, commitments and key risk indicators to ensure continued compliance with approved terms and conditions.
- Identify early warning signals and emerging credit concerns and recommend timely and effective risk mitigation or remedial actions.
- Stay abreast of relevant regulatory requirements, credit policies, market developments and industry trends affecting the Bank's corporate customers.
- Support other credit risk analysis, monitoring and ad hoc projects as assigned by the department.
Job Requirements
- Bachelor's degree or above in Finance, Accounting, Economics, Business or a related discipline.
- Minimum 8 years of relevant experience in corporate credit analysis, credit risk assessment or corporate banking in a banking/ financial institution environment.
- Strong knowledge of financial statement analysis, corporate credit assessment and banking credit facilities.
- Solid understanding of corporate credit risk management, financial analysis, industry assessment and risk mitigation practices.
- Strong analytical and critical thinking skills, with the ability to identify key risks and formulate sound credit recommendations.
- Professional qualifications such as CFA, FRM or ACCA will be an advantage.
- Strong communication and people skills, with the ability to collaborate effectively with stakeholders across functions.
- Fluency in both English and Chinese is essential, as the role will require communication and collaboration with Chinese-speaking counterparts from Head Office.
- Strong attention to detail, sound judgement and work effectively under tight timelines.
