About This Role
This Credit Analyst position is a 12-month fixed-term contract based in Singapore, focusing on credit risk analysis and approvals for corporate and trade finance customers across the Asia-Pacific (APAC) region. The role involves supporting the alignment and rollout of Head Office credit risk frameworks, digital credit tools, and standardized credit processes within the Singapore Branch.
Responsibilities
- Spread and analyze balance sheets, profit & loss, and cash flow statements for prospective and existing corporate borrowers in the APAC region
- Prepare comprehensive Credit Applications and annual Credit Reviews, including borrower rating assessments, for submission to authorized credit committees
- Review bilateral facility offer letters and syndicated loan agreements to ensure strict conformity with approved credit terms and internal standards prior to Head of Credit sign-off
- Liaise with external legal counsels, agent banks, and internal stakeholders
- Perform quarterly monitoring and updates of credit exposures in the Integrated Risk Management (IRM) system
- Track and monitor financial covenants in SAP in accordance with facility agreement timelines
- Prepare ad-hoc risk and portfolio reports (e.g., Credit Default, country, sector, and counter party profiles) for local Management and Head Office
- Support the local team in implementing and operationalizing new Head Office systems and digital tools (e.g., electronic credit files, digital approval workflows)
- Serve as a key interface between the Singapore Credit Department and Head Office credit risk functions
Requirements
- Bachelor’s or Master’s degree in Banking, Finance, Business Administration, Economics, or a related discipline
- Minimum of 6 years of relevant credit analysis / credit risk management experience within corporate or international wholesale banking
- Solid understanding of both MAS regulations and European/German banking supervisory standards (Bundesbank/BaFin lending rules)
- Experience with banking credit & risk systems (e.g., SAP, IRM)
- Strong proficiency in MS Office
- Excellent written and spoken English
- Fluency in German (written and spoken) is required, as the role involves continuous direct coordination with the Frankfurt Head Office, review of German regulatory documentation, and the implementation of Head Office IT systems and credit directives
- High level of professionalism
- Strong analytical and problem-solving abilities
- Independent working style
- Proven ability to work collaboratively in a multicultural environment
Important Details
- Contract: 12-month fixed-term
- Team: Reports locally to the Head of Credit Singapore and functionally to the Regional Department Head, Hong Kong
