Credit Analyst (Structured Commodity Finance)

We are representing our client, the Singapore branch of a large Chinese bank, to search for a Credit Analyst experienced in Structured Commodity Finance and Supply Chain Finance to join the Risk Management Department.

Job Responsibilities

• Conduct comprehensive credit analysis and assessment of corporate customers, including reviewing credit applications for compliance with regulatory requirements and the Bank’s credit policies.
• Analyse customers’ financial performance, business operations, cash flow, repayment capacity and overall creditworthiness to identify key credit risks.
• Assess the overall credit risk of corporate groups and determine appropriate client credit ratings.
• Identify key risk factors and recommend effective risk mitigation measures, credit controls and appropriate risk management strategies.
• Review and provide credit opinions on proposals submitted to the Pre-Trial Committee, including providing relevant support and secretarial duties as required.
• Conduct industry and sector research covering market trends, competitive dynamics, industry outlook and emerging risks across assigned sectors.
• Monitor approved credit facilities, commitments and key risk indicators to ensure continued compliance with approved terms and conditions.
• Identify early warning signals and emerging credit concerns and recommend timely and effective risk mitigation or remedial actions.
• Stay abreast of relevant regulatory requirements, credit policies, market developments and industry trends affecting the Bank’s corporate customers.
• Support other credit risk analysis, monitoring and ad hoc projects as assigned by the department.

Job Requirements

• Bachelor’s degree or above in Finance, Accounting, Economics, Business or a related discipline.
• Minimum 8 years of relevant credit analysis experience in Structured Commodity Financing and Supply Chain Financing in a banking environment.
• Strong knowledge of financial statement analysis, corporate credit assessment and banking credit facilities.
• Solid understanding of corporate credit risk management, financial analysis, industry assessment and risk mitigation practices.
• Strong analytical and critical thinking skills, with the ability to identify key risks and formulate sound credit recommendations.
• Professional qualifications such as CFA, FRM or ACCA will be an advantage.
• Strong communication and people skills, with the ability to collaborate effectively with stakeholders across functions.
• Fluency in both English and Chinese is essential, as the role will require communication and collaboration with Chinese-speaking counterparts from Head Office.
• Strong attention to detail, sound judgement and work effectively under tight timelines.