The posting
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



