Credit Risk & KYC Analyst - Commodities Trading

Our client is an international trading and commercial business with a diverse portfolio of counterparties across multiple markets. As part of its continued growth, the business is looking for a Credit Risk & KYC Analyst to support counterparty credit assessment, KYC onboarding and ongoing risk monitoring. This is a hands-on role combining credit analysis, counterparty risk and technical KYC/AML due diligence. The successful candidate will work closely with commercial stakeholders while ensuring appropriate risk controls are maintained across the counterparty lifecycle. Key Responsibilities • Conduct credit assessments on new and existing counterparties, including customers, suppliers, financial institutions and other business partners. • Analyse financial statements, management accounts, credit reports, corporate information and other relevant data to assess counterparty creditworthiness. • Prepare credit assessments and recommendations covering credit limits, payment terms, exposure levels and appropriate risk mitigants. • Monitor counterparty exposures against approved limits and identify potential breaches, deterioration in financial strength or emerging risks. • Conduct periodic and event-driven credit reviews, updating assessments in response to changes in financial performance, ownership, business activities or market conditions. • Review trading terms and credit support arrangements, including collateral, guarantees, letters of credit and other risk mitigation structures. • Partner with Commercial and Trading teams to assess the credit implications of new transactions and counterparties. • Prepare clear credit reports and recommendations for senior management and relevant approval committees. KYC / AML / Counterparty Due Diligence • Perform hands-on KYC and AML due diligence during onboarding and periodic reviews of counterparties. • Review and verify corporate structures, beneficial ownership, directors, shareholders, authorised signatories and related entities. • Assess KYC documentation and identify gaps, inconsistencies or areas requiring further investigation. • Conduct screening and review of potential sanctions, AML, ownership, reputational and other counterparty risks. • Liaise directly with counterparties and internal stakeholders to obtain and validate outstanding KYC information and documentation. • Apply a strong understanding of KYC requirements to identify higher-risk structures and escalate concerns appropriately. • Maintain accurate and up-to-date records covering KYC status, counterparty information, credit limits and exposures. Reporting & Process Improvement • Support regular reporting on credit exposures, overdue receivables, KYC status and counterparty risk. • Contribute to the development and enhancement of credit risk, KYC and counterparty onboarding procedures and controls. • Support internal and external audits and participate in risk-related projects as required. • Identify opportunities to improve the efficiency, quality and consistency of counterparty due diligence and credit processes. Requirements • Bachelor's degree in Finance, Accounting, Economics, Business, Risk Management or a related discipline. • 3-6+ years of relevant experience in credit risk, credit analysis, counterparty risk, KYC, AML, trade finance or a related function. • Strong preference for candidates with hands-on KYC experience and a solid technical understanding of KYC/AML requirements, rather than purely administrative onboarding experience. • Experience within commodity trading, energy, oil & gas, shipping, financial services or another complex B2B environment would be advantageous. • Strong financial statement analysis and counterparty credit assessment capabilities. • Good understanding of KYC, AML, sanctions screening, beneficial ownership and corporate structure analysis. • Familiarity with trade finance instruments such as letters of credit, guarantees, collateral and other credit risk mitigation tools would be advantageous. • Strong analytical, investigative and problem-solving skills with excellent attention to detail. • Strong Excel and data analysis skills. • Excellent communication and stakeholder management skills, with the ability to work effectively with Commercial, Trading and other internal teams. • Proactive, organised and comfortable managing multiple priorities in a fast-paced environment. • Commercially minded, with the ability to balance business requirements against appropriate credit and risk controls. Candidates with deeper KYC/AML and counterparty due diligence expertise are encouraged to apply. The salary package will be aligned with the level of technical experience and depth of responsibility brought to the role. Phoebe Woo EA Reg No: R25142324 Faststream Recruitment Pte Ltd, EA License no: 09C3403