Credit Executive

3 days ago


Central Region, Singapore X Star Technology Pte Ltd Full time $90,000 - $120,000 per year

Company Overview:

X Star is a premier automotive financial services and technology provider, specializing in transforming the automotive industry through innovative solutions in vehicle valuation, financing, and cross-border transactions. Leveraging advanced algorithms and blockchain-based trust frameworks, X Star is committed to building an automotive ecosystem with more convenient, safe and efficient financing services overseas.

Headquartered in Singapore, X Star operates across key markets, including Japan and Mexico, with a strategic focus on the RCEP (Regional Comprehensive Economic Partnership) region. Our Singapore business alone has facilitated over SGD 100 million in cumulative loans, demonstrating strong market traction and scalability.

Job Responsibilities:

·       Analyse financial data, including income statements, credit history, collateral value, balance sheets, cash flow and tax returns to assess applicants' financial stability.

·       Evaluate collateral valuation reports and assess the adequacy of collateral coverage.

·       Perform detailed credit analysis to evaluate borrowers' repayment capacity and determine optimal loan terms and conditions.

·       Ensure strict compliance with internal credit policies, procedures, and regulatory standards.

·       Review loan applications and documentation for accuracy, completeness, and compliance with established lending policies.

·       Verify applicant information through internal and external credit checks.

·       Prepare comprehensive credit reports and present findings to management for approval or rejection decisions.

·       Monitor loan portfolios to identify, assess risk ratings, and recommend appropriate remedial actions.

·       Stay updated on industry trends, market conditions, and regulatory changes impacting the auto finance industry.

·       Maintain accurate, up-to-date and organized credit files and documentation.

·       Provide support during loan audits, examinations, and regulatory reviews.

·       Assist in the development and enhancement of credit risk assessment models and tools.

·       Continuously optimize credit analysis processes and procedures for greater efficiency and effectiveness.

Job Requirements:

·       Diploma/Degree in Finance, Accounting, Business Administration, or a related field (or with equivalent work experience).

·       Minimum 4 years' experience as a Credit Executive or in a similar credit analysis role, preferably in the auto finance industry or financial services sector.

·       Strong understanding of credit risk assessment, financial statement analysis, and lending principles.

·       Familiarity with credit analysis tools, techniques, and credit scoring models.

·       Excellent analytical and problem-solving skills.

·       Ability to make timely and decisive credit recommendations with valid justification

·       Ability to manage multiple tasks and meet deadlines in a fast-paced environment.

·       Strong ethics and integrity.

·       Proficiency in using financial analysis software and MS Office Suite.



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