Total 23,629 Credit Analyst job vacancies in The United States of America

We are representing our client, a large Chinese bank, to look for a Team Lead to lead a team of Corporate Credit Analysts.

Job Description

• Perform credit review for due diligence reports of corporate customers and responsible for: review whether the case complies with relevant regulation and the bank's policy, highlight the main risks, put forward risk control measures, determine the customer group overall credit risk and conduct customer credit rating etc.
• Coordinate with team members to complete credit analysis reports on time and meet quality requirement. Assist the department management with staff management, cultivating and developing credit analysis experts specialized in relevant sectors.
• Provide opinion for credit files reported to the pre-trial committee.
• Conduct industry research and revise the relevant approval guidelines.
• Conduct regular monitoring and put forward effective risk control recommendations for customers with early warning signals.
• Manage and coordinate business relationship between Credit Analyst team and other teams within Risk Management Department, as well as the relevant business department.
• Support internal and external audit tasks as well as regulatory reporting requirements. Support management information reporting regarding customers and credit cases.
• Complete any other work assignment given by the department management.

Requirements

• Bachelor degree in Finance, Accountancy or related majors.
• Applicant with FRM, CA and/or ACCA certification is preferred.
• Minimum 10 years of relevant work experience in credit analysis of corporate clients (in particularly, clients in the commodities sector) with strong experience in trade and structured trade financing.
• Experience as a team lead and/or experience providing guidance to junior credit analysts.
• Skilled in financial statements analysis and understand banking credit facilities and review requirements of financing products.
• Strong financial and credit risk analysis and management skills.
• Strong communication skills, sense of responsibility and leadership ability.
• Effectively bilingual in English and Chinese as the incumbent is required to liaise with Chinese counterparts in Head Office.
• Strong ability to multi-task and work under pressure.

Qualifications:

• 1-3 years’ experience in Finance required (Associated), 3 Years plus experience for Analyst.
• Bachelor's degree preferred.
• Excel skill, eg, Pivot, Vlookup, Formulas
• Strong Communication Skill – Verbally and in written.

Responsibilities

• Perform customer credit check. Establish and maintain appropriate credit lines for new and existing customers in accordance with company’s credit policy.
• Proactively contact customers for prompt collection and timely resolution of aged receivables
• Follow Collection Guideline on those customers with aged debt, reduce outstanding aged accounts receivable balances by working in conjunctions with Billing team, Sales, CSM, and Legal
• Responsible for customers open balances collections, trial balance reconciliations, unapplied payments & unapplied credit memos reconciliation.
• Have the capability to review and release customer credit holds with independent decision.
• Timely resolve customer receivable issues, inquiries, disputes, and/or claims
• Partner with Cash Application team in our global back office to ensure properly application of customer’s receipt.
• Partner with Customer Master team in our global back office to ensure timely set up and update of customer master.
• Understand the Bad Debt Provision and prepare the monthly report.
• Prepare credit and collection reports and ensure meeting KPIs.
• Actively involved in projects/system enhancement and any other ad hoc duties as and when assigned.

Job description

This is a business analyst role within Trading Risk domain with primary responsibilities including understanding, assessing, and implementing the changing risk management needs of the bank’s trading, capital market and collateral monitoring activities.

This role provides a balanced mixture of quantitative and qualitative exposures, with a blend of a data and business analysts tasks.

Responsibilities

1. Undertake the business analyst role for Counterparty Credit Risk Domain.

2. Capture and define clear business requirements coming from business and risk stakeholders, which include those pertaining to implementation or enhancement of risk application, and to data science exploration and experiments within trading risk domain.

3. Evaluate and assess impact of business requirements to existing systems and applications to ensure sound and adequate functional designs.

4. Devise comprehensive test plans (including test scenarios and test cases) to validate system deliverables.

5. Conduct and manage User Acceptance Testing, Regression Testing, Simulation Testing and Live verifications to ensure system deliverables meet business requirements.

6. Plan relevant activities according to given timeline, ensuring timely deliveries to maximise business values for stakeholders.

7. Gather business/ risk data and perform an iteration of statistical analysis/ experiments in collaboration with data scientists and data engineers to gain valuable business/ risk insights for various digital initiatives.

Requirements:

1. Degree in finance/ computer science/ quantitative finance discipline.

2. At least 3 years of working experience as a business analyst.

3. Possess understanding and experience in credit/ counterparty risk domain (including risk management and mitigation through collateral postings).

4. Possess working knowledge of financial markets and products including securities financing transactions and derivatives.

5. Prior experience in implementing trading risks (incl. market & counterparty risk) applications or innovative digital solutions within Risk Management Group is an advantage.

6. Team player with strong inter-personal, communication, presentation, analytical and problem-solving skills.

7. Proficient in SQL, Microsoft Excel and data visualization tools.

Interested candidates may apply through the application system. We regret to inform only shortlisted candidates will be notified.

EA License No. 01C4394 • RCB No. 200007268E •Derrick Tiew Yong Han EA Registration No. R1877971

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1. Perform credit review for due diligence reports of corporate customers and responsible for: review whether the case compliant with the regulation and the relevant bank's policy, reveal the main risks, put forward risk control measures, determine the group overall credit risk and conduct client credit rating, etc.

2. Project flow management: coordinate team members to complete credit analysis reports on time as well as meeting quality requirement. Assist department management with staff management, cultivate and develop credit analysis experts specialized in relevant sectors.

3. Provide opinion for credit files reported to the pre-trial committee.

4. Conduct industry research according to respective responsible industries, revise the relevant approval guidelines.

5. Conduct commitment matters monitoring and other work regularly, put forward effective risk control recommendations for clients with early warning signals.

6. Manage and coordinate business relationship between Credit Analyst team and other teams within Risk Management Department, as well as other relevant business departments.

7. Support internal and external relevant audit tasks as well as regulatory reporting requirements. Support management information reporting regarding customers and credit cases. Complete other specific work arrangements by the department.

Job Requirements:

1. Bachelor degree or above (finance, economy accountancy or related majors), skilled in financial statements analysis methods and understand bank related credit facilities.

2. More than 5 years of relevant work experience, has the experience of credit analysis to corporate clients is preferred.

3. Applicant with CFA, FRM and ACCA professional skills certificate is preferred.

4. Strong financial and credit risk analysis and management skills.

5. Strong communication skills, responsibility and team-work ability

6. Effectively bilingual in English and Chinese is required as incumbent is required to liase with Chinese counterparts from Head Office.

7. Good pressure resistance, can effectively handle multiple work at the same time, understand the bank's review requirements of financing products.

JOB ROLE DESCRIPTION – SUMMARY

The Credit Risk Analyst is responsible for executing credit risk policies, procedures and processes to enable successful management of credit risks for the organisation. He/She supports the risk rating and limit setting process through credit portfolio, credit application and credit transaction reviews. He is responsible for providing independent credit opinion on new loan proposals and any subsequent variation requests. He assesses and monitor risks of assigned loan portfolio by way of news monitoring, periodic reviews and internal ratings.

The Credit Risk Analyst may be required to be contactable after office hours. He has strong exposure to and understanding of credit analysis methodologies and credit risk management regulations. He is able to work independently with minimum supervision, and is a strong communicator and influencer who can work in a fast-paced environment. He possesses strong analytical and critical thinking skills, and an eye for detail.

Key Tasks

Develop and maintain credit risk policies

• Execute credit risk policies and procedures
• Ensure the alignment of operational practices to articulated credit risk positions
• Identify emerging market trends and regulations which may impact credit risk and policies
• Address queries related to credit risk policies and procedures
• Maintain credit risk-related documentation and resources on credit risk policies
• Practice responsible lending and credit activities by assessing Environmental, Social and
• Governance factors in credit-related approvals and reviews

Conduct credit risk assessment and management activities

• Utilise credit models to identify expected loan loss and other risks
• Perform periodic checks, security monitoring, portfolio reviews and regular compliance checks, and keep management abreast of early material warning signals
• Identify loans for inclusion within workout strategies
• Monitor accounts with flagged indicators for credit default and/or missed payments
• Process waiver and amendment requests and provide independent recommendation to management

Manage credit portfolios within credit risk appetite and limits

• Develop expertise in the assigned business segment in order to be able to provide independent recommendation
• Work closely with assigned business segment units in the conduct of credit activity
• Monitor and document key success measures for credit risk protection to identify possible inadequacies
• Support the execution of credit approval processes
• Generate financial ratios to evaluate client's financial status
• Identify market conditions and/or trends and their possible impact to the organisation's credit risk exposure and appetite
• Evaluate and analyse client accounts to determine suitable credit recovery plans

Review and rate counterparty risk applications

• Execute counterparty risk assessment steps and due diligence checks in accordance with guidelines
• Collect counterparty risk information and conduct preliminary risk assessments
• Review letters of credit when required
• Gather information and data to review credit rating triggers and break clauses for applications
• Conduct preliminary reviews on financial and credit transactions
• Confer with credit associations and other business representatives to exchange credit information

Monitor and report on credit risk portfolios

• Monitor loan portfolio quality by way of news monitoring, periodic reviews and ensure current loan loss provisions, internal ratings and account grading reflect the current state of the credit/ asset quality
• Highlight potential credit risks by monitoring early warning indicators
• Participate in the quarterly portfolio review exercise for the region and ensure follow-up of identified actions
• Participate in local credit committee meetings to deliberate on new credit applications while ensuring pertinent questions are raised and responded
• Identify changing regulations or industry developments which can improve early warning systems
• Support analysts in the preparation of contracts, credit reports and other loan transaction documents in accordance with credit risk policies
• Draft credit-related reports detailing deviations from set credit limits, counterparty ratings, exposures and concentrations
• Examine past financial records against current loan portfolio performance to identify patterns and trends

Requirements

• Minimum Bachelor's degree or its equivalent
• At least 2 years of Credit Risk experience in Project Finance area.
• Strong interpersonal and communication skills
• Ability to work under pressure, both independently and in a team environment.
• Proficiency in Microsoft Office

Responsibilities

• To review term sheets, spreadsheet, rating application etc submitted by RM.
• To review financial statement and quarterly credit monitoring submitted by RM.
• To review financial projections submitted by RM and assist to adjust the projections based reasonable assumptions and business environment.
• To conduct research and analyze on the commodity industry and market i.e. Crude Palm Oil, Oil & Gas, Coal etc (covered by Corporate and Commercial Banking segment) on quarterly basis
• To conduct Credit stress test & Climate stress test on quarterly basis

Requirements

• A bachelor's degree in Business or any related discipline.
• Minimum 4-5 years' relevant credit analysis experience within the Banking/Audit sectors.
• In depth understanding of accounting principles and financial analysis skill.
• Familiar with credit syndication, acquisition financing, project financing under APLMA format
• Excellent presentation skills and ability to influence and persuade.

Interested candidates kindly click the APPLY NOW button.

Applicants who possess relevant experience for the above responsibilities are most welcome to apply. If you do not possess the above experience, your application will still be considered on individual merits and you may be contacted for other opportunities.

By submitting your personal data and/or resume, you give consent to the collection, use and disclosure of your personal data and/or resume by the company (or its agent) for the purpose of the processing and administration by company relating to this job application.

*We regret to inform that only shortlisted candidates would be notified.*

Amy Wong Siew Chen
Registration Number: R22108344
EA Licence No: 06C2859 (MCI Career Services Pte Ltd)

Job Description:

1) Responsible for managing the collection of outstanding debts through phone calls or email, and other appropriate actions

2) Negotiate payment plans with debtors, advise them on the payment options and methods to ensure successful collection of debts

3) Generate necessary letters (includes payment reminders and final notice warnings) to debtors when payments are not being made

4) In charge of end-to-end repossession process such as liaising with appointed repossession companies, issuing Repossession Order, and assets disposal

5) Liaise with appointed law firms for various matters such as issuing various letters, conducting various searches on debtors and guarantors, and any ad-hoc matters

6) Liaise with appointed debt collection companies and arrange for on-site visitation

7) Manage Debt Repayment Scheme to ensure on time repayment from debtors

8) Ensure proper filings, safe keeping of loan related documents and arrange archival

9) Potentially attend hearings, acts as a runner to LTA, or police stations for case filing and so on

10) Handle and manage any complaints from debtors or dealers professionally and remain courteous at all times

11) Responsible for escalating and reporting any suspicious / problem accounts to superior at the earliest instance

12) Ensure compliance to company policies, financial, process and industrial standards

13) Performs ad hoc duties as assigned by Supervisors Job

Requirement:

1) Academic qualification: Diploma & equivalent

2) 1 or 2 years of working in handling credit documents, loan administration, KYC / AML, and collection

3) Competent in English (verbal & written) and Chinese (verbal)

4) High level of integrity, meticulous and detail-orientated

5) Strong ownership with ability to operate in a flexible, dynamic environment

6) Ability to multi-task, deliver results and solve problem well under pressure to meet deadlines

7) Open and willing to learn new things, take on new challenges and make adjustments to suit transitions in the workplace

As a Credit Risk Analyst specializing in FX and Options products, you will play a crucial role in assessing, monitoring, and managing credit risks associated with these financial instruments within a high-performing global securities firm based in Singapore. You will work closely with traders, risk managers, and other stakeholders to ensure effective risk management practices and regulatory compliance.

Key Responsibilities:

• Evaluate counterparty creditworthiness for FX and Options transactions through financial statement analysis, credit scoring models, and market data.
• Determine appropriate credit limits and collateral requirements based on risk assessment findings.
• Develop and maintain risk monitoring tools and dashboards for FX and Options portfolios.
• Prepare regular risk reports and presentations for senior management and regulatory authorities.
• Stay updated with regulatory requirements related to credit risk management in FX and Options markets.
• Support audits and regulatory inspections by providing necessary documentation and explanations.
• Work closely with front-office teams, including traders and sales professionals, to understand business strategies and credit needs.
• Participate in cross-functional projects and initiatives to enhance risk management processes and systems.

Key requirements:

• Bachelor's degree in Finance, Economics, Risk Management, or a related field.
• Minimum of 3-5 years of experience in credit risk analysis, preferably with a focus on FX and Options products within a global financial institution or securities firm.
• Strong understanding of financial markets, derivative instruments, and risk management principles.
• Proficiency in credit risk modeling, financial statement analysis, and risk assessment techniques.
• Familiarity with regulatory frameworks such as Basel III, MAS regulations, and Dodd-Frank Act.
• Excellent analytical skills, attention to detail, and ability to work under pressure in a fast-paced environment.
• Effective communication skills with the ability to present complex information clearly to diverse stakeholders.
• Professional certifications such as FRM (Financial Risk Manager) or CFA (Chartered Financial Analyst) are advantageous.

If you have the above skills and experience and are looking to take the next step in your career, apply today or send an email with your CV to gavin.izon@access-people.com to begin a conversation today.

The Role:
My Client is a leading Corporate Bank we are looking for a Credit Risk Analyst to join the team in Singapore. Reporting to the CRO, you will be given the opportunity to work with global stakeholders and grow your career in a leading brand name within the Corporate Banking space industry.

Key Responsibilities:

• Assessing and analysing new and existing counterparties and minimize Credit Risk across the business
• Identify Credit Risks and recommend credit ratings, limits, credit structure and contractual terms to the senior leaders
• Managing relationship with Front Office (originators & traders) and ensure commercial and credit risk interests are understood and reconciled;
• Monitoring of trading exposures (individual and portfolio) on daily basis to ensure trading activity remains within approved limits;

You must:

• A bachelors degree in a reputable university
• At least 5 to 10 years of Credit Risk experience in a Commercial / Corporate Bank
• Strong understanding in trade financing and loans syndications.
• Strong understanding of Risk frameworks and tools
• Be able to work independently, while also being a strong team player

Take charge of this opportunity to welcome a new career challenge in 2024

EA Personnel No R1985201
BeathChapman Pte Ltd
Licence No 16S8112

Company overview

Nomura is a global financial services group with an integrated network spanning over 30 countries and regions. By connecting markets East & West, Nomura services the needs of individuals, institutions, corporates and governments through its three business divisions: Retail, Wholesale (Global Markets and Investment Banking), and Investment Management. Founded in 1925, the firm is built on a tradition of disciplined entrepreneurship, serving clients with creative solutions and considered thought leadership. For further information about Nomura, visit www.nomura.com.

Overview:

The position falls within our Credit Risk Management (CRM) team based in Singapore. The CRM team forms part of our 2nd Line of Defense (2LOD), working alongside the front office banking and credit team for transaction due diligence (DD).

As the Credit Analyst, Securitization, you will be responsible for reviewing structured finance transactions across AEJ, initially focusing on the Australian market and expanding to other markets in the future. These transactions involve financing against a collateral pool of either mortgage loans, SME loans or consumer loans. The financing is similar to securitization in a warehouse format i.e. revolving facility structure.

Responsibilities:

• Undertake DD visits / with clients, third party DD providers and lead credit discussions.
• Conduct DD on the key service providers e.g. originator, servicer etc. including underwriting policies and processes, compliance with law and regulations, organizational operational and capacity etc.
• Conduct in-depth analysis of the collateral pool based on past performance, industry and economy outlook and composition of the specific portfolio. The role also involve financial modelling of the pool to arrive at base and stress loss estimate distribution and cash flows in a wind-down scenario to assign internal credit rating.
• Thoroughly understand the transaction structure and actively discuss with front office on portfolio parameters and eligibility criteria for the transaction.
• Prepare independent credit analysis and present credit views to Senior Risk Management / Committees.
• Regular monitoring of the portfolio for early identification of any deterioration in the collateral pool and mitigating actions required.

Requirements:

• A bachelor’s degree from an accredited University
• Minimum 5 years’ experience analyzing structured finance transactions such as securitization types which includes assessing underlying assets, cash flow, credit risk evaluation, structural features, legal and regulatory considerations.
• Experience with credit due diligence which includes analyzing structures, financial analysis, risk assessment, credit rating and preparing detailed credit report summarizing the analysis and findings.
• Experience with financial modelling for securitization type transactions.
• Good organization and time management skills. Should be able to work under time pressure.
• Good inter-personal and strong verbal communication skills. Should be at ease in communicating with Sales and external clients.
• Strong problem solving and decision-making skills.

Diversity Statement

Nomura is committed to an employment policy of equal opportunities, and is fundamentally opposed to any less favourable treatment accorded to existing or potential members of staff on the grounds of race, creed, colour, nationality, disability, marital status, pregnancy, gender or sexual orientation.

DISCLAIMER: This Job Description is for reference only, and whilst this is intended to be an accurate reflection of the current job, it is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. The management reserves the right to revise the job and may, at his or her discretion, assign or reassign duties and responsibilities to this job at any time.

Nomura is an Equal Opportunity Employer

SFID: 6383

Job description:

• Perform independent evaluation/analysis/review risks for both new and existing clients (Commodity Traders, Financial Institutions, MNCs and SMEs) in accordance with Head Office and Branch requirements
• Ensure compliance of statutory and corporate policies
• Monitor potential and existing problem accounts
• Review and update credit policies and guidelines, covering area such as Corporate Financing, Real Estate Financing, etc. Complete other special work arranged by department.

Job Requirements:

• Bachelor degree or above (finance, economy accountancy or related majors), skilled in financial statements analysis methods and understand bank related credit facilities
• More than 3 years of relevant work experience, has the experience of credit analysis to corporate clients is preferred
• Applicant with CFA, FRM and ACCA professional skills certificate is preferred
• Strong financial and credit risk analysis and management skills
• Strong communication skills, responsibility and team-work ability
• Effectively bilingual in English and Chinese is required as incumbent is required to liase with Chinese counterparts from Head Office.
• Good pressure resistance, can effectively handle multiple work at the same time, understand the bank's review requirements of financing products
• Experience in Commodity Finance and Trade Finance is preferred

about the company

A leading regional bank with a strong presence in the Asian Pacific Region.

about the job

• Collaborating and supporting relationship managers in client interactions
• To assess and underwrite credit proposals, ensuring compliance to regulatory and the Bank’s requirements
• Following up on monitoring of the portfolio and the credit process and performing loan reviews

about the manager/team

Reporting to the Head of Credit Risk, you will be part of a lean team with good learning opportunities.

skills & experience required

• Degree in Accountancy, Business Management or Finance-related
• At least 2 years of relevant credit analysis experience in commercial or corporate banks

To apply online please use the 'apply' function, alternatively you may contact Judy at judy.low[@]randstad.com.sg or drop me a message on LinkedIn at https://www.linkedin.com/in/judy-low-bb09619a

(EA: 94C3609/ R22110790)

Credit Executive, Business/SME Credit

Our client is a bank.

Job Description:

• Handle credit verifications and approval of SME loan products

• Prepare credit papers

• Analyze and verify credit information based on documents submitted by borrowers and business units

• Look out for critical information & pick up fraudulent documents while ensuring data accuracy

• Evaluate submitted documents for credit assessment/ recommendation

• Evaluate credit applications as well as assess credit worthiness

Job Requirements:

• Degree in any relevant discipline

• Analytical and meticulous

• Salary ranges between S$3,000 to S$4,000 per month

Please send your application directly via janntan@recruitexpress.com.sg for a faster response.

Only shortlisted candidates will be notified.

(Jann) Tan Wei Ying (R1103708)

Email Address: janntan@recruitexpress.com.sg

Recruit Express Pte Ltd

EA License No: 99C4599

Recruiter's Ref Code: #BJJ

You are a curious and enthusiastic Analyst with a passion for Data and Analytics.We are a highly engaged team with a passion for innovation and continuous improvement.Together we can build a brighter future for our customers and communities and provide insightful risk leadership across the Group. See yourself in our team At CommBank, we never lose sight of the role we play in other people’s financial wellbeing. Our focus is to help people move forward and progress. The wider Credit Risk and CommAssets team performs a critical role for our customers and the Group - providing data driven credit policies, business rules, limit assignment, servicing and verification strategies used in thousands of lending decisions every day. Our team uses data analytics to assess existing and new methods to optimise the customer experience.  The CommAssets team own and maintain a variety of tools, calculators and data assets used to aid the customer application process. The team also actively investigate through proof…

Click here to view more detail / apply for Credit Risk Insights Analyst

Job Title: Credit Controller - Finance Shared Service Centre

Location: Corporate Head Office, Carrington, Manchester

Role Overview: As a Credit Controller within the Finance Shared Service Centre (FSSC), you'll play a pivotal role in maintaining strong relationships with internal and external stakeholders. This position demands a proactive, diligent individual who thrives on effective communication and collaboration, supporting operations across the UK & Ireland.
Key Responsibilities:

• Pursue payment for aged debts from a diverse portfolio of customers, utilising various communication channels.
• Allocate and reconcile cash across multi-currency debtor accounts.
• Promptly record customer disputes on work flow systems and communicate them to regional contacts.
• Collaborate with internal teams to swiftly resolve customer disputes and account issues.
• Implement and manage work-flow strategies to monitor and address aged debt, maximising cash collection.
• Prepare weekly and monthly reporting packs within specified deadlines.
• Contribute as a team member towards achieving group targets and objectives.
• Assist in managing strategic risk within the department.

Candidate Profile:

• Excellent communicator with the ability to engage stakeholders at all levels.
• A team player capable of quickly establishing rapport and relationships.
• Deadline-oriented, capable of delivering results in a dynamic finance environment.
• Flexible mindset, open to adapting to new processes and procedures.
• Proficient in Excel; experience with SAP is advantageous.

How to Apply: If you're ready to join a dynamic team dedicated to driving sustainable change while advancing your career in finance, please submit your CV and a cover letter outlining your relevant experience and why you're a great fit for the role

The Recruitment Co. is an equal opportunities employer and we're committed to diversity and inclusion in the workplace.