Credit Analyst

Responsibilities

Interpret and analyze market sector activity impact on credit risk & credit rating.

Industry sector coverage of minimum 5.

Compile detailed financial models and projections and apply economic and industry analysis.

Formulate a clear and concise credit view and recommendations in writing.

Prepare internal memo with recommendation of credit limit to seek Credit Underwriting concurrence.

Perform on-going monitoring of issuer creditworthiness.

Conversant and be updated on issuer’s announcements or press release and the rating rationales released by the rating agency.

Assess, evaluate and review the internal ESG rating for all bond issuers.

Review and quantify the key drivers for Environmental & Climate risk.

Quantify carbon emission for bond issuers.

Conversant with the relevant acts, rules and regulations affecting the issuer’s business and the debt securities industry and be conversant with all statutory modifications and re-enactments as may be introduced thereto.

Compliance at all times with the relevant internal policy and guidelines relating to investment evaluations.

Build and maintain an updated ‘Pre-approved Bond Master List’ from time to time. The Pre-approved Bond Master List shall contain the (i) exempted securities (automatic qualifiers) and reason for exemptions (i.e. subject to Government guarantee is in place); (ii) New Issues; and (iii) Existing Issues.

Ad-hoc assignments relating to credit review.

Qualifications

At least 1-2 years of financial analysis / credit related experience.

Bachelor degree in Accounting, Finance, Business or related field with strong quantitative skills.

Required Skills

Build financial and quantitative risk models.

Perform financial statement analysis.

Statistical analysis for credit risk portfolio modeling.

Good verbal communication and listening skills.

MS Offices Knowledge - Excel and Word.

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