Job description

About the Role

We are seeking an experienced Credit Approver to join our team in Singapore. In this role, you will conduct in-depth credit reviews and analyses of corporate, institutional, and SME clients across the Asian market. You will play a critical part in evaluating new products and transactions, approving deals within your authority, and providing well-founded recommendations to senior credit approvers.

The ideal candidate will combine technical credit expertise with forward-thinking strategic judgment, strong stakeholder management skills, and the ability to drive risk excellence across the region.

Job Responsibilities

Job Responsibilities

Credit Analysis & Approval

• Conduct comprehensive credit reviews and analyses for corporate, institutional, and SME clients across the Asia Region

• Perform annual and new counterparty reviews, ensuring thorough assessment of creditworthiness

• Approve transactions within delegated approving authority or provide well-founded recommendations to credit approvers

• Address ad-hoc credit requests with timely and accurate analysis

Transaction Support & Structuring

• Collaborate with Business Units on structuring transactions to optimize risk-return profiles

• Review and advise on legal terms and documentation

• Evaluate new products and transactions, assessing credit implications and risk factors

• Provide general credit advice and analysis to support business decision-making

Portfolio Management

• Monitor portfolio developments and stay updated on client performance and market conditions

• Identify emerging risks and opportunities within the assigned portfolio

• Escalate concerns proactively and recommend mitigation strategies

Industry Engagement

• Maintain strong connections across the industry to stay informed of latest news, trends, and developments

• Network with peers, regulators, and market participants to enhance market intelligence

• Apply industry insights to improve credit assessment and risk management practices

Stakeholder Collaboration

• Build and maintain strong, dialogue-based relationships with Business Units, Risk Management, Legal, and other stakeholders

• Present credit recommendations clearly and confidently to senior risk management

• Foster open communication channels to support effective risk-business partnership

Job Requirement

• Bachelor's degree in Finance, Economics, Accounting, or related field (required)

• Professional qualifications (CFA, FRM, CPA) or advanced degree (preferred)

• 8+ years of regional Asia credit risk experience in a financial institution

• Proven exposure to corporate and institutional clients across multiple industries

• Strong track record in credit analysis and financial modelling across various sectors

• Experience preparing counterparty credit reviews and presenting to senior risk management

• Demonstrated leadership potential with readiness to grow into senior risk leadership roles

• Expertise in credit risk assessment, financial statement analysis, and financial modelling

• Deep understanding of credit products, transaction structures, and legal documentation

• Knowledge of Asian market dynamics, regulatory environment, and industry trends

• Proficiency in credit risk systems and Microsoft Office (Excel, PowerPoint)