Credit Executive/ Credit Risk Analyst- 8 months contract
Must-have:FinTechE-Commerce
8 Months Contract Must have banking/ Fintech experience
Key Responsibilities
- Conduct credit assessments for SME clients, analysing financials, cash flow, leverage, profitability, repayment conduct and overall risk, relevant experience in non-retail/RSME credit processing
- Review lending proposals, including term loans, trade lines, business mortgages and unsecured facilities.
- Assess industry and customer risks and identify early warning indicators.
- Review credit reports, ACRA/CBES information and supporting documentation.
- Ensure credit proposals comply with internal policies, approval authorities and regulatory requirements.
- Work closely with Relationship Managers to structure facilities within the bank’s risk appetite.
- Identify and escalate credit risks, exceptions and policy deviations.
Requirements
- Diploma/Degree in Banking, Finance, Accounting, Economics or related field.
- Atleast 1 year of experience in credit assessment, credit underwriting, SME lending or credit risk.
- Strong financial analysis and credit risk assessment skills.
- Familiarity with ACRA, CBES and credit bureau reports.
- Knowledge of Singapore banking regulations, KYC and credit policies.
- Strong analytical skills, attention to detail and stakeholder management abilities.
- Experience with unsecured lending/credit cards is an advantage.