Finance Executive (Credit Check) 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. • Ability to manage multiple credit applications and meet turnaround time requirements. EA Reg. No. 25C2690 | EA License No. R1330510