Senior Credit Analyst - Corporate & Structured Finance (APAC)

About the role

A leading European bank is looking for a Senior Credit Analyst (APAC coverage) to join its Credit Officer International Network APAC team in the Singapore office. The role provides independent credit assessment for corporate and structured finance transactions across APAC, covering only the Singapore Credit Group and Singapore Private Banking.

Key responsibilities

• 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 with 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 credit decisions and recommend risk mitigants
• Support annual reviews and monitor exposures, identifying deterioration risks and tracking corrective actions

Required profile

• Singapore citizen or Singapore permanent resident only
• At least 6 years of experience in credit analysis, underwriting, structuring or other credit risk roles within international banking institutions
• University degree in Economics, Finance, Accounting, Engineering or a related discipline
• Experience in corporate and/or structured finance underwriting, including financial statement, cash flow and repayment-capacity analysis
• Knowledge of APAC markets, cross-border lending, country risk, banking regulation, credit policies and risk governance
• 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

Required skills

• Financial modelling, forecasting, scenario and sensitivity analysis
• Proficiency in Microsoft Excel and Word