Credit Analyst

4 days ago


Singapore ZEN CAREER PTE. LTD. Full time
Roles & Responsibilities

Basic information :

  • Basic up to $7500 + AWS
  • Career progression opportunity
  • Mon - Fri (0830 - 1730)
  • Near Jurong East

Job description :

  • Establish and refine the Company's risk management framework to ensure standardized and systematic processes that align with the Company's risk management philosophy.
  • Formulate risk control strategies, set up early warning mechanisms, and maintain centralized credit risk control for the Group.
  • Conduct customer credit assessments, offering recommendations on credit ratings, terms, limits, and risk mitigation measures in line with the Board-approved credit framework.
  • Oversee customer credit limits and insurance, monitor market information, deactivate high-risk customers, reduce redundant credit limits, and negotiate favorable insurance coverage.
  • Continuously track customer credit status, promptly report anomalies to relevant departments and Senior Management, and provide regular updates on overdue balances, credit insurance, and market trends.
  • Propose effective risk mitigation solutions for transactions exceeding the Company's risk appetite, ensuring compliance with approved risk frameworks.
  • Collaborate with departments to assess and monitor customer guarantees, including both financing and non-financing guarantees issued by the Company.
  • Identify and manage legal, compliance, and market risks associated with credit approvals.
  • Review, report, and manage the Company's major risk events, providing emergency response as needed.
  • Conduct annual reviews and targeted assessments of customer risk profiles.
  • Assist with additional tasks assigned by the Head of Department or Senior Management.
  • Conduct credit assessments, lead ageing/collections meetings, and resolve issues related to doubtful or uncovered debts.
  • Regularly visit customers alongside line managers or sales representatives to strengthen relationships and assess credit risk.

Additional information:

  • Proficient in digital solutions and ERP systems, particularly with the credit module of Microsoft Dynamics 365 Business Central.
  • Strong understanding of credit control policies and operational procedures.
  • Proven expertise in importation and wholesale distribution of fuel-related products.
  • Bachelor's degree in Business, Economics, Finance, or a related numerical discipline (or equivalent) would be advantageous.

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We regret to inform that only shortlisted candidates would be notified

We wish you all the best in your career search.

Zen Career Pte Ltd | EA License No.: 24C2559

Ang Jia Hong (Cody) | EA Personnel No.: R24126406

Tell employers what skills you have

Due Diligence
Dynamics
Risk Control
ERP
Risk Management
Administration
Economics
Annual Reviews
Compliance
Emergency Response
Financial Analysis
Banking
Legal Compliance
Credit Risk
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