Credit Analyst, Enterprise Cash Management

OCBC Bank

  • Malaysia
  • Permanent
  • Full-time
  • 15 days ago
WHO WE ARE:As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.Your Opportunity Starts Here.What you doManage and monitor all credit-related activities within the department to ensure compliance with the Bank’s credit policies and regulatory requirements.Execute CP/CR (Credit Proposal/Credit Review) processes accurately and timely in alignment with internal guidelines and external regulations.Oversee and track CP/CR for customers with cash-backed facilities, such as Bank Guarantees (BG) and Foreign Exchange/Foreign Exchange Options (FX/FXO) lines.Maintain and update credit assessments and scoring for borrowing customers within the department to support informed decision-making.Conduct AML (Anti-Money Laundering) and ESG (Environmental, Social, and Governance) name screenings, along with relevant credit and company background checks, ensuring full regulatory compliance.Ensure that Customer-to-Customer (C2C) linkages are accurately maintained and updated by relationship managers.Provide expert advisory and guidance to Cash Relationship Managers (RMs) on credit-related matters to facilitate risk mitigation and business growth.Who you areHold a recognized degree, preferably in Business Accounting, Banking & Finance, or Economics, with 1-2 years of experience in credit risk management, credit analysis, or related roles within the banking or financial services industry.Professional certifications such as CFA, CPA, or relevant credit risk qualifications are highly desirable.Proven experience in managing credit proposals and conducting credit reviews is strongly preferred.Solid understanding of credit policies, credit risk assessment methodologies, and regulatory compliance requirements.Familiarity with credit facilities including Bank Guarantees (BG), Foreign Exchange (FX), and Foreign Exchange Options (FXO) is an advantage.Experience in performing AML (Anti-Money Laundering) and ESG (Environmental, Social, and Governance) screenings and compliance checks.Excellent analytical and problem-solving abilities with a strong attention to detail.Strong organizational and time management skills, capable of efficiently handling multiple credit proposals and reviews simultaneously.Ability to accurately interpret and apply regulatory guidelines and internal credit policies.Effective communication and interpersonal skills to provide advisory support to Relationship Managers and foster collaboration across teams.High level of integrity and professionalism in managing sensitive financial information.Proactive in identifying credit risks and recommending appropriate mitigation strategies.Capable of working independently as well as collaboratively in a fast-paced environment.Who we are
As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation.
But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here.What we offer
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Equal opportunity. Fair employment. Selection based on ability and fit with our culture and values. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.What we offer:Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.

OCBC Bank