Senior Credit Analyst

Your new role
You will join the Credit Officer International Network APAC team (Singapore Office) for a leading European Bank and provide independent credit assessment for Corporate and Structured Finance transactions across APAC. You will analyse counterparties, financial performance, financing structures and repayment capacity, challenge key assumptions and recommend appropriate risk mitigants. You will also monitor exposures and support sound, timely credit decisions in line with the Bank's policies and risk appetite.

The key responsibilities will be:

• Review Corporate and Structured Finance proposals across APAC, including new transactions, refinancings, amendments and waivers
• Assess counterparties, financial performance, cash flows, financing structures, repayment sources, covenants and security packages
• Evaluate business profiles, sponsors, ownership, contractual frameworks, industry and regulatory risks
• Review financial models, business plans and sensitivities, challenge assumptions and benchmark credit metrics
• Prepare credit memoranda highlighting strengths, key risks, mitigants and independent recommendations
• Verify proposal completeness, internal ratings, risk indicators, group exposure, country risk availability and approval authorities
• Liaise with APAC Business Units and Head Office Underwriting Units to support the credit decision process and recommend risk mitigants
• Support annual reviews and monitor exposures, identifying deterioration risks and tracking corrective actions

What you'll need to succeed

• Singapore Citizen / Singapore Permanent Residents ONLY
• At least 6 years of experience in Credit Analysis, underwriting, structuring, or other credit risk-related roles within international banking institutions
• University degree in Economics, Finance, Accounting, Engineering or a related discipline
• Corporate and/or Structured Finance credit underwriting , including financial statement, cash flow and repayment-capacity analysis
• Assessment of business profiles, ownership structures, industry risks, financing terms, covenants and security packages
• Financial model review, forecasting, scenario and sensitivity analysis
• Knowledge of APAC markets, cross-border lending , country risk, banking regulation, credit policies and risk governance
• Proficiency in Microsoft Excel and Word
• English at proficient level, written and spoken
• Preferred: CFA, FRM, postgraduate studies in Finance, Accounting or Structured Finance, or an additional relevant APAC or Italian language

What you need to do now
If you or someone you may know may be interested in this opportunity, please do contact me on the details below for more information or drop over an updated CV to my email at [email protected]

Alternatively, if this job opportunity is not relevant to you, feel free to share your updated CV to have a confidential discussion on the relevant openings based on your skill sets and expertise.

At Hays, we value diversity and are passionate about placing people in a role where they can flourish and succeed. We actively encourage people from diverse backgrounds to apply.

EA Reg Number: R23118004
EA Licence Number: 07C3924
Company Registration No: 200609504D