Credit Analyst (Bank)

Responsibilities

• Review of spreading for balance sheet, profit/loss and cashflow statement, provide evaluation of financial standings of prospective clients and existing borrowers.
• Review of credit applications and annual credit reviews, including credit rating for each borrower for approval.
• Provide independent credit assessment and recommendation and ensure compliance against the Branch’s credit policies and procedures.
• Work closely with relevant internal stakeholders to achieve business needs within risk appetite.
• Provide advisory and guidance to internal stakeholders on industry-related matters such as Shipping, REITS, Trade Related, Logistic, Transportation, etc.
• Conduct in-depth research on key industries and formulate branch industry credit policies.
• Monitor the performance of corporate loan portfolios to ensure they comply with the bank-wide credit risk strategies.
• Review and validate the credit decision process and credit modeling, identifying areas for improvement.
• Formulate or update branch internal policies and procedures according to HO policies, internal & external audit requirements, as well as regulatory mandates.
• Address issues raised by auditors and MAS relating to credit matters.
• Undertake ad-hoc projects and other duties assigned by the Deputy Head of Department from time to time.

EA License No: 05C3451

EA Personnel Name: Cesky Ong Zhi Rong
EA Personnel No: R24121422