Automotive Credit Analyst

2 weeks ago


Singapore beBeeCredit Full time $90,000 - $120,000
Automotive Credit Specialist

X Star is a leading AI-driven automobile financing platform that leverages on Yixin Group's platform technologies and shareholder background to build an automotive ecosystem with convenient, safe and efficient financing services overseas.

The company is looking for an experienced Automotive Credit Specialist to further support the growing business needs in Singapore. This role will be responsible for assessing the creditworthiness of loan applicants by analysing their financial statements, credit history, and collateral value.

  • Assess the creditworthiness of loan applicants by conducting detailed credit analyses and evaluating borrowers' ability to repay loans and determine appropriate loan terms and conditions.
  • Review loan applications and supporting documentation to ensure accuracy, completeness, and compliance with established lending guidelines.
  • Analyse financial data, including income statements, balance sheets, cash flow statements, and tax returns, to assess applicants' financial stability.
  • Verify applicant information and perform credit checks using internal and external sources.
  • Collaborate with loan officers and underwriters to gather additional information and clarify any credit-related issues.
  • Prepare comprehensive credit reports and present findings to management for loan approval or rejection decisions.
  • Evaluate collateral valuation reports and assess the adequacy of collateral coverage.
  • Monitor loan portfolios to identify early signs of credit deterioration, assess risk ratings, and recommend appropriate remedial actions.
  • Stay updated on industry trends, market conditions, and regulatory changes affecting the auto finance industry.
  • Ensure compliance with internal credit policies, procedures, and regulatory requirements.
  • Maintain accurate and up-to-date credit files and documentation.

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