Finance Executive (Credit Check) Contract
8 months renewable Contract Location - Textile Centre, Jalan Sultan ( Nearest Mrt - Lavender) Bank Key Responsibilities Conduct independent credit assessments for SME clients by analysing financial statements, business performance, repayment conduct and overall risk exposure.
Review and assess various types of lending proposals to determine creditworthiness and associated risks.
Analyse key financial indicators including cash flow, leverage, profitability, liquidity and debt servicing capability.
Assess industry, business and customer specific risks and identify potential early warning indicators.
Review credit reports and relevant financial information to support informed lending decisions.
Evaluate customer creditworthiness for both new onboarding and continued business relationships.
Review and validate credit documentation and financial information to ensure accuracy, completeness and timely processing.
Review customer information from sources such as CBES, ACRA and existing loan repayment conduct as part of the bank's credit risk assessment framework.
Ensure credit proposals and supporting documentation comply with internal policies, approval authorities, regulatory requirements and risk management frameworks.
Collaborate closely with Relationship Managers to understand client requirements and structure credit facilities that are aligned with business needs and the bank's risk appetite.
Verify credit reviews and risk assessments for different types of lending proposals.
Identify and escalate exceptions, policy deviations and material credit risks to the appropriate approval authorities.
Key Requirements Degree or Diploma in Banking, Finance, Accounting, Economics or a related discipline.
1 to 3 years of relevant experience in credit assessment, credit underwriting, credit risk, SME lending or banking operations.
Experience in assessing unsecured lending and credit card applications will be advantageous.
Strong understanding of financial analysis, including cash flow, leverage, profitability, liquidity and debt servicing capacity.
Familiarity with CBES, ACRA, credit bureau reports and repayment conduct analysis.
Good understanding of KYC, credit risk management, internal credit policies and regulatory requirements in Singapore.
Strong attention to detail, particularly when reviewing credit documentation and financial information.
Good stakeholder management skills with the ability to work effectively with Relationship Managers and business teams.
Ability to manage multiple credit applications and meet turnaround time requirements.
EA Reg. No. 25C2690 | EA License No. R1330510