Credit Executive (Bank) 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.
• Strong analytical, numerical and problem solving skills.
• Ability to manage multiple credit applications and meet turnaround time requirements.
• Strong written and verbal communication skills.