Job Purpose

The Credit Analyst is responsible to provide credit analysis for the Bank’s borrowing clients in the segments covered by Marketing Team which currently comprised Aviation, Shipping, Financial Institutions & General Corporates in Singapore.

Job Description

• Analyze past and current financial information and performances
• Provide financial models and projections based on reasonable assumptions
• Preparation of reports and projections based on the analysis for credit decision making
• Coordinate with the Marketing Team to review financial forecasts and information

Requirements

• Minimum a bachelor’s degree in Business or any related discipline
• Minimum 3 - 5 years’ relevant experience within the Banking/Audit/Investment industries, credit analysis.
• In depth understanding about accounting principles and financial analysis skill
• Excellent presentation skills and ability to influence and persuade, multi-task, and meet tight deadlines
• Proficient in spoken and written English/Chinese to liaise with Chinese speaking headquarter counterparties

Credit Controller Officer / Executive

Salary: $2800 to $3500 (Depends on Experience) + AWS + VB
Mon to Fri - 9am to 6pm
Working Location: Joo Koon
(Lunch Provided & Transport provided - From Boon Lay)

Responsibilities

• Assist in Debts Collection & follow up of overdue account
• Prepare regular & monthly credit related reports to Finance manager/ HOD
• Assist in monitoring monthly debts collection performance
• Investigate and resolve discrepancies relating to non-payment of invoices
• Conduct aged balance review with Finance manager/ HOD to follow up review action
• To adopt collection best practices and apply relevant collections strategies to enhance effectiveness
• Recommend improvements of credit risk measures, controls and processes
• Any other duties as assigned
• Evaluating new credit request and conducting client credit checks.
• Suggest and implement terms of credit for new clients
• Negotiating payment plans and collection
• Responding client inquiries
• Liaising with customers (internal/ external) to build and foster strong relationships.

Requirement

• Diploma holder (Finance Background preferred)
• 2 to 5 years of relevant working experience in credit control would be advantageous
• Able to deal with clients for debt collection

Tan Jia Jun | REG No: R23112681
The Supreme HR Advisory Pte Ltd | EA No: 14C7279

Mon-Fri: 08:30 AM – 05:30 PM

Job Duties / Responsibilities

• Making collection calls
• Timely and effective collection of all debts and customers payments
• Negotiating re-payment plans
• Liaising with lawyer to follow up on the legal action taken against the bad paymasters
• Liaising with vehicle repossessors to follow up on repossessed vehicles
• Maintaining contact with clients to ensure outstanding balance are clear for payment
• Resolving queries both internally and externally around customers outstanding balance
• Posting and allocating daily receipts to accounting systems
• Other ad-hoc admin tasks, if need be.

Qualification, Required Experience,

• Relevant work experience preferred
• Must have knowledge of hire purchase cases and hire purchase operations, legal recovery, experience in going through the whole cycle of legal process of debt collectio
• Ability to advise on what legal action is best at different stages of debt collection
• Ability to establish and maintain good client relationships, both internally and externally at all levels
• Ability to reconcile complex accounts and have excellent attention to detail
• Calm, confident manner to handle potentially uncomfortable conversations
• Diploma/Degree with at least 2 years relevant work experience

Applicants who possess relevant experience for the above responsibilities are most welcome to apply. If you do not possess the above experience, your application will still be considered on individual merits and you may be contacted for other opportunities.

Please submit your updated resume in MS Words format by using the APPLY NOW BUTTON

Alternatively, you may send your application and resume in MS Words format to [email protected] or Whatsapp to 8767 9648

By submitting your personal data and/or resume, you give consent to collection, use and disclosure of your personal data and/or resume by the company (or its agent) for the purpose of the processing and administration by the company relating to this job application.

**We regret to inform that only shortlisted candidates would be notified.

K N Tan
Registration Number: R1768143
EA Licence No: 17C8778 (JIH SUN EMPLOYMENT AGENCY)

R:81YEB4G9

Job Description & Requirements

Able to operate CNC CMM machine with 2 years experience needed is a priority.

Knowledge in QC equipments, example: Height Gauge, Smart Scope, Veriner caliper etc.

With computor knowledge to provide QC report and handle NCR.

Must have knowledge in drawing specification. Example: Tolerance, Surface Treat, Heat Treat etc.

Basic knowledge in machining process.

Job Summary:

We are seeking a meticulous and analytical Credit Officer to join our auto finance startup. As a Credit Officer, you will play a vital role in assessing the creditworthiness of loan applicants, conducting thorough credit analyses, and ensuring the overall quality of our loan portfolio. Your role will involve evaluating credit risks, making informed lending decisions, and maintaining compliance with internal policies and regulatory requirements.

Responsibilities:

• Assess the creditworthiness of loan applicants by analyzing their financial statements, credit history, and collateral value.

• Conduct detailed credit analyses to evaluate 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.

• Analyze 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.

• Collaborate with other departments, such as sales and collections, to address credit-related concerns and provide guidance.

• Maintain accurate and up-to-date 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.

• Participate in credit committee meetings and provide insights on credit-related matters.

• Continuously improve credit analysis processes and procedures to enhance efficiency and effectiveness.

Requirements:

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field (or equivalent work experience).

• Proven experience as a Credit Officer 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 sound credit decisions and recommendations.

• 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.

Summary:

• Basic salary up to $3600
• Performance bonus (up to 3 months)
• Location: Newton (2 minutes walk from MRT station)
• 5 days work week @ 8.30am - 5.30pm
• Familiar with hire purchase operations

Key Responsibilities:

• Make calls to collect outstanding payments
• Ensure timely and effective collection of all debts
• Negotiate re-payment plans
• Liaise with lawyer to follow up the legal actions against bad paymasters
• Maintain contact with clients to ensure the debts are clear
• Resolve queries about the outstanding debts
• Update daily receipts to the accounting system
• Other relevant ad-hoc duties

Key Requirements:

• Min Diploma in any field
• Min 2 years of relevant experience in credit control
• Possess knowledge of hire purchase operations and the whole cycle of legal process

Interested applicants, please submit your updated resume in MS Words / PDF format by using the APPLY NOW BUTTON.

By submitting your personal data and/or resume, you give consent to the collection, use, and disclosure of your personal data and/or resume by the company (or its agent) for the purpose of the processing and administration by the company relating to this job application.

Please be notified that only shortlisted candidates will be notified.

Your recruiter for this job: Stella

WhatsApp me @ 8772 4117 for a prompt response to your enquiry!

Stella Aw Yong See Hui | R24121552

Recruit Now Singapore Pte Ltd | EA No: 21C0845

Job Responsibilities:

1. Assist management in reviewing internal control processes and implementation for improvements per group policies and procedures adherence.

2. Assist management in establishing new processes and safeguards in driving best practices and system implementation when required.

3. Prepare documents for internal audit per Head Office requirement and support the process such as providing samples (signed contracts, full set of whole cycle operation documents adhering to internal controls).

4. Liaise with other departments/subsidiaries as well as the Head Office to provide financial figures required in various standard and ad hoc reports.

5. Review and assist in managing all accounting aspects, and preparation of month-end financial reports.

6. Perform other job-related duties as assigned.

Job Requirement:

1. At least 3 years of related working experience, audit background is preferred but not compulsory.

2. Bachelor’s degree holder or above.

3. Candidate with Singapore CA, ACCA, or other qualification body member is preferred.

4. Excellent written and verbal communication skills.

5. Proficient in using Microsoft Office Apps, candidate with VBA skills is preferred.

* Cleaning service

* Location: Changi Airport

* 5.5days

* 8:30am - 5:30pm

Job Description:

• Collaborate with the Resident Manager & Assistant Managers to establish standard operating procedures for ground operations.
• Inspect daily tasks performed by ground staff.
• Employ a coaching approach to reinforce SOPs with ground staff: supervisors and housekeeping staff.
• Mentor new staff during orientation.
• Implement skills enhancement programs for ground staff to boost performance.
• Update training schedules for cases of non-conformance and monitor improvements to bridge skills gaps.
• Coordinate and conduct training sessions on safety, quality, and environmental subjects.
• Undertake any other assigned ad-hoc tasks by the Manager.

Job Requirement:

• Possess a minimum Diploma/Degree in a relevant field of study and be open to training.
• Proficient in Microsoft Office applications (Excel, Word, etc.).
• Capable of working independently and thriving under pressure.
• A team player who can handle multiple tasks in a fast-paced setting.
• Willing to work shifts and overtime occasionally.
• Good communications skills are preferred.

HOW TO APPLY:

Interested applicants, please click on “Apply Now”or email [email protected]

We regret only shortlisted candidates will be notified.

Important Note: Trust Recruit Pte Ltd is committed to safeguarding your personal data in accordance with the Personal Data Protection Act (PDPA).

Please read our privacy statement on our corporate website www.trustrecruit.com.sg.

Trust Recruit Pte Ltd

EA License No: 19C9950

EA Personnel: Lim Wei Jye (Jaylyn)

EA Personnel Reg No: R24121213

Job Description

• Industry/ Organization Type: Material Handling Equipment Supplier
• Position Title: Control System Engineer (Electrical Control Panels)
• Working Location: East – Ubi (Walking distance from MRT to the company)
• Working Hours: 5 days (Mon-Fri: 8.30am-6pm)
• Salary Package: Up to SGD 4500 + AWS
• Duration: Permanent

Key Responsibilities

• Managing integration engineering tasks.
• Developing and implementing electrical circuits from the initial concept, through design, to programming.
• Programming PLCs, with proficiency in brands like Siemens, AB, Omron, Mitsubishi
• Installing, starting up, testing, and commissioning electrical control panels both in-house and on-site.
• Calculating complete costs for control panels necessary for projects.
• Conducting operational and maintenance training for customers and colleagues.
• Creating Operational and Maintenance manuals for completed projects.
• Diagnosing and repairing issues with delivery systems.
• Working independently both in-house and on-site.
• Coordinating with owners, subcontractors, and vendors.
• Meeting customer expectations according to engineering standards.
• Ensuring reports are submitted accurately and on time.

APPLY NOW!!!

• Min. Diploma in Electrical, Mechatronics, Automation, or Instrumentation Control System Engineering
• Min. 2 years of experience in the design and troubleshooting of Electrical Control Panels and PLC Programming
• Experience with material handling equipment or weighing systems is highly advantageous
• Hands-on experience in servicing and troubleshooting such systems is preferred
• Ability to read and understand schematic, electrical, and mechanical diagrams
• Must know Auto-CAD
• Willing to travel on short notice if required based on the project

Kindly apply through ANY of the following methods:

• Submit your application by clicking the APPLY button;
• Email your resume to [email protected]. Please indicate #71642 on the email subject.

Anradus Application Policy: We value each application and ensure every resume is reviewed. Our process is efficient, typically concluding within 3 working days. If you do not receive communication from us within this timeframe, it's likely that your application has not been shortlisted by our client. In such cases, we recommend continuing your job search to maximize your opportunities.

Anradus Pte Ltd | EA License No. 20C0161 | Celine Tan | EA Reg No.: R1873694

Job Description

• Industry/ Organization Type: Material Handling Equipment Supplier
• Position Title: Control System Engineer (Electrical Control Panels)
• Working Location: East – Ubi (Walking distance from MRT to the company)
• Working Hours: 5 days (Mon-Fri: 8.30am-6pm)
• Salary Package: Up to SGD 4500 + AWS
• Duration: Permanent

Key Responsibilities

• Managing integration engineering tasks.
• Developing and implementing electrical circuits from the initial concept, through design, to programming.
• Programming PLCs, with proficiency in brands like Siemens, AB, Omron, Mitsubishi
• Installing, starting up, testing, and commissioning electrical control panels both in-house and on-site.
• Calculating complete costs for control panels necessary for projects.
• Conducting operational and maintenance training for customers and colleagues.
• Creating Operational and Maintenance manuals for completed projects.
• Diagnosing and repairing issues with delivery systems.
• Working independently both in-house and on-site.
• Coordinating with owners, subcontractors, and vendors.
• Meeting customer expectations according to engineering standards.
• Ensuring reports are submitted accurately and on time.

APPLY NOW!!!

• Min. Diploma in Electrical, Mechatronics, Automation, or Instrumentation Control System Engineering
• Min. 2 years of experience in the design and troubleshooting of Electrical Control Panels and PLC Programming
• Experience with material handling equipment or weighing systems is highly advantageous
• Hands-on experience in servicing and troubleshooting such systems is preferred
• Ability to read and understand schematic, electrical, and mechanical diagrams
• Must know Auto-CAD
• Willing to travel on short notice if required based on the project

Kindly apply through ANY of the following methods:

• Submit your application by clicking the APPLY button;
• Email your resume to [email protected]. Please indicate #71642 on the email subject.

Anradus Application Policy: We value each application and ensure every resume is reviewed. Our process is efficient, typically concluding within 3 working days. If you do not receive communication from us within this timeframe, it's likely that your application has not been shortlisted by our client. In such cases, we recommend continuing your job search to maximize your opportunities.

Anradus Pte Ltd | EA License No. 20C0161 | Celine Tan | EA Reg No.: R1873694

Responsibilities:

• Reporting: Generate and issue regular reports (daily, quarterly, yearly).
• Collaboration: Build strong relationships with business division heads through clear communication and timely info sharing.
• Advisory: Guide transaction structuring with risk mitigation tools for optimal risk-reward.
• Market Monitoring: Stay updated on market trends and maintain key relationships through meetings.
• Policy Implementation: Enforce company-wide credit policies per internal standards.
• Insurance Management: Handle all insurance matters, including policy negotiations.
• Compliance: Understand company internal policies and applications and ensure compliance.
• Best Practices: Propose and implement credit risk management improvements.
• Policy Review: Reviewing and enhancing credit policies and systems.
• System Harmonization: Align global credit policies and systems with company standards.
• Ad hoc duties as assigned.

Requirements:

• Degree in Accountancy, Banking & Finance, Business Administration or equivalent.
• At least 10 years of credit analysis and risk management, preferably from commodities/ financial institutions industry.
• Solid understanding and experience in AML, KYC, Credit Risk and Compliance, Credit Rating Models.
• Knowledge with ISDA/CSA, TOB and derivatives instruments.

Interested candidates who wish to apply for the advertised position, please send in your resume to [email protected]

EA License No: 13C6305

Reg. No.: R24120209

For candidate who applied for the advertised position is deemed to have consented to us that we may collect, use or disclose your personal information for purpose in connection with the services provided by us.

Job Responsibilities

• Call Customer to remind on overdue payment (Provide information of payment amount and due date to minimize risk exposure)
• Negotiate with customer on repayment if they are unable to fulfill payment obligation
• Attending to customer’s account enquiries and rendering prompt services on their request
• Follow up with customer via various communication tools (E.g telephone, sms, letters etc)
• Update conversation with customer in collection system
• Working together with supervisors in solving irregular cases

Job Requirements

• Making calls in the range of 200 to 250 daily
• Meeting and exceeding KPI set by management
• Assist in Ad-Hoc restructuring projects (Eg. Post moratorium exercises, payment extension/deferment programs etc)
• Customer Focus, Good Team Player & Results Driven, has integrity in her/his area of work, Independent, Responsible & Committed
• Able to multi task and work on demand
• Knowledge in Microsoft Words, Excel & Powerpoint.
• Good Interpersonal and Communication Skills, Good Analytical Skills, Good Negotiation Skills, Good Writing Skills

Job Description & Requirements

Responsibilities You will manage customer accounts and be the point of contact for customers. You will be required to adopt a customer centric and professional approach with a high level of service quality in your interactions with the customer. You will also answer sales and general enquiries from customers.

Requirements:

Minimum GCE 'O' Level or diploma

Excellent communication and interpersonal skills Goal-oriented

Be Self- driven and prepared to take on new Challenges

Have Initiative patient and mature in thinking

Meticulous and analytical

Be able to work under tight timelines and pressure

Be Proficient in MS office

Singaporean & PR

Job Description:

1) Manage delinquent and bad debt accounts through monitoring and analysing database

2) Guide and ensure team members negotiation skills are effective

3) Responsible for repossession matter including auction and tender of repossessed assets, according to the rules and regulations

4) Initiate, handle and monitor legal actions with solicitors

5) Assist in review, develop and executing collection action plans and strategy towards achieving set targets

6) Handle and manage complaints or issues escalated from internal collection teams

7) Weekly review and conduct monthly meeting according to frequency

8) Preparing monthly management reports on the collection and recovery position

9) Continually evaluate internal processes and improve

10) Collaborate with cross functional teams, including operations, risk, compliance and finance to ensure that collection activities are aligned with company goals

Requirement:

1) Academic qualification: Diploma & equivalent

2) At least 5 years of working in handling collection and debt recovery

3) High level of integrity, meticulous and detail-orientated

4) Strong ownership with ability to operate in a flexible, dynamic environment

5) Ability to multi-task, deliver results and solve problem well under pressure to meet deadlines

6) Open and willing to learn new things, take on new challenges and make adjustments to suit transitions in the workplace

Purpose of the Position

Responsible for executing timely credit reviews of all counterparties and financial institutions, and for sanctioning appropriate credit limits to each party. Issue independent quantitative and qualitative risk assessment of counterparties across commodities and of concerning transaction structures, consequently, recommend appropriate credit limits.

Scope

The incumbent reports to Credit Risk GM and will support the team by monitoring and reporting on credit exposure status, investigating excesses and overdue of all outstanding deals to the GM and management on a timely basis. The incumbent may have supervising responsibilities.

Responsibilities

1. Credit Risk Management (50%)

• Generate and issue to relevant parties the required reports on a regular basis (daily, and quarterly basis).

• Build and maintain effective working relationships with all business divisions by providing proactive support, clear and consistent communication, as well as timely sharing of relevant and/or critical information.

• Advise business divisions in structuring of transactions by incorporating appropriate risk mitigation tools that are aligned with the company's risk margin to optimize risk-reward ratio.

• Keep abreast with the latest market developments. Develop and manage relationships with key counterparties and financial institutions, through participation of appropriate stakeholder meetings.

• Be responsible for implementing credit policies/operating procedures on a companywide basis, in alignment with MC's and RTMl's internal standards.

• Act as point of contact for all insurance related issues, including negotiating for policy terms, for insured limits and premiums.

2. Operational Support/Projects (20%)

• Be aware and comprehend current processes of Mitsubishi Corporation's internal policy and its applications.

• Support Credit Risk GM by proposing and/or initiating necessary proposals in best practices for credit risk management that may apply to RtMI and Global RIM.

• Whenever necessary, support the GM to review the present internal credit policy and system, propose and upon approval, execute changes that can enhance credit risk integration efforts with other existing company systems such as the commodity trade risk management system (CTRM), accounting system (SAP), etc.

• Harmonize the existing credit policy and system (including consolidated global data) with Mitsubishi Corporation's existing policy and systems.

3. Liaising with other departments (20%)

• Communicate and liaise with other departments e.g. Legal and Compliance, Trade Operations and Finance and Accounting for day-to-day credit risk related activities.

• Support the credit team in RTMC by sharing best practices and knowledge

• Actively participate in the CTRM build out. i.e. credit functional inputs and testing.

4. Supervising junior staff, subordinate (10%)

• Conduct mentoring duties with the aim of transferring to junior officer knowledge of executing transactional tasks related to credit risk.

Experience

• Relevant experience in credit risk management for commodity trading houses/ financial institutions of 10 to 15 years.

• At least 4-6 years of experience in relevant industry sectors related to commodity trading will be advantageous.

• Experience with supervising/ mentoring a small team of junior subordinates will be advantageous.

Knowledge, skills and abilities

The incumbent must have proficient knowledge in the following areas:

• Requirements on Credit Risk management policies for the commodity trading business (such as flow of international trading, VaR, MtM, L/C, B/L, B/C, Export Control (STC), other relevant Internal Control, including the fundamentals of sanction checks.

• Requirements on Business Operations for the commodity trading business (such as flow of international trading, L/C, B/L, B/C, Export Control (STC), other relevant Internal Control

• Operational requirements on trade contracts for the commodity trading business

• Anti-money Laundering (AML) and Know your Customer (KYC) policies

• Understanding of Credit Risk and Compliance Issues, including understanding of Credit Rating Models and its rationale.

• Adequate knowledge with ISDA/CSA, TOB and derivatives instruments

• Adequate knowledge with trade finance structured products instruments

• Be resourceful and able to surface relevant financial and geopolitical information independently

• Have experience in evaluating profiles from emerging geographical business environments, e.g. such as China and India etc

Personal Attributes

The incumbent must demonstrate the following personal attributes:

• Be able to work under high pressure, remain calm and methodical.

• Be a collaborative and communicative team player.

• Be able to prioritize high volume of workload.

• Be meticulous and pay high level of attention to accuracy and details.

• Have initiative and work with little or no supervision.

• Be honest, trustworthy and respectful.

• Possess cultural awareness and sensitivity and be flexible to change.

Environment/Working Conditions

• The candidate is based in an Office Environment but will be expected to travel for business purposes.

• The candidate has to manage a number of projects at one time.

• The candidate is required to multi-task and prioritize assignments accordingly

Location: Kallang Sector

• Assist in coordinating and executing the timely and accurate collection of customers’ accounts, including calling up customers for payment
• Monitor work progress and collection processes, handle and investigate cases for efficient debt recovery
• Handle enquiries from customers on billing issues and outstanding balances

Interested applicants may email resume to [email protected]

Jessie Hoe Huey Miin (CEI Registration No: R1103861)

Recruit Express Pte Ltd (EA: 99C4599)

Job Purpose / Role:

At Allianz Commercial, our Finance Operations team maintains optimal receivable levels by using automated processes, providing full transparency and receivable risk assessments. Our experts produce valuable financial insights for the company and help to protect its assets.

Key Responsibilities:

• Ensure that all accounts receivable / payables are settled as per agreed terms of settlement and booked correctly. This includes the coordination, clarification and balancing of unbalanced items and resolution of differences.
• Perform credit control function of Accounts Receivable/Payable and related account reconciliations as assigned. Ensure transparency of Accounts Receivables / Payables balances in own are of responsibility and actively drive resolution of issues.
• Prepare/review outgoing statements and execute corresponding settlements with the counterparts (e.g., Allianz / AGCS OE´s, Reinsurers, and brokers).
• Remind due Accounts Receivables and perform corresponding cash allocations.
• Document application of policies, procedures, and workflow for assigned areas of responsibility and archive records to satisfy audit and statutory requirements. In this regard you can also draft standards to improve quality.
• Work collaboratively with other Functional areas (Operations, Accounting, Claims) in establishing processes, booking flows, accuracy completeness controls and resolution of differences/queries.
• Maintain a collaborative relationship with internal & external counterparts. Provide professional and timely customer service to internal and external customers.

Key Requirements /Skills / Experience:

• You have a degree in Business Administration, Economics, Finance, Accounting, or equivalent work experience.
• You have proven experience in accounting and credit control practice in an international environment.
• Ideally experience in insurance accounting.
• Analytical skills and the ability to understand and interpret complex data and processes.
• Advanced Excel and PowerPoint to analyse and present data in a compelling way to a variety of stakeholders. Database skills would be an advantage.
• Good communication skills and ability to work efficiently in a professional, international working environment.
• Data-driven and innovation minded.
• Fluent in English (able to negotiate) and other languages would be an advantage.

Principal Advisor – Credit Risk

· Based in Singapore, global commercial hub

· Support our credit risk

· Working closely with commercial stakeholders

About the role

We are looking for a Principal Advisor – Credit Risk to join the Commercial Credit Risk team whose function is to offer insightful, proactive, timely and high-quality credit analysis and risk advice to facilitate sound business decisions, promote sustainable growth and protect the company’s balance sheet.

This role is a great opportunity for an individual with a strong partnership mindset who understands the value of considering risk and uncertainty in business decision making and who loves and thrives in delivering strong commercial outcomes in close collaboration with different stakeholders from Sales & Marketing, Commercial Services, Logistics, Procurement, Finance, Legal and other functions.

Reporting to the Senior Manager, Credit Risk, you will:

Credit Risk Analysis and Portfolio Management

• Analyse qualitative and quantitative data on new/existing counterparties and risk profile of deal/structure in order to determine and recommend credit rating, credit limit, payment terms and credit solutions for the counterparty and the deal/structure.
• Responsible for management of counterparties under assigned portfolio including credit reviews, queries on potential deals/exposures, checks on limits availability, onboarding requests, credit blocks release and credit alerts.
• Management of counterparty relationship together with BU/PG (e.g., onboarding, non-payment/default and/or any credit related events).
• Assess complex transactions in conjunction with BU/PG & functions with an aim to develop appropriate credit solutions and proper credit rights/terms in contracts.
• Responsible for liaising with credit insurers and brokers, other risk teams and functions (e.g. Legal, Finance) to implement credit management measures (e.g., security arrangements, payments terms, credit rights or triggers).
• Collaborate with Sales & Marketing teams on the formulation of solutions to enhance sales value through terms extension while ensuring risks are identified and mitigated.
• Support, advise and partner with Commercial organization in their strategic and operating initiatives to deliver the cash target, margin enhancement and process efficiencies to the Group.

Credit Monitoring and Reporting

• Monitor assigned portfolio daily using available tools/resources/market intelligence and promptly highlight any adverse credit news within the portfolio and provide early risk alert of credit events.
• Maintain close communication with BU/PG to gain a deep understanding of portfolio, in particular risk factors for the respective industry and counterparties.
• Monitor BU/PG adherence to credit limits and report all credit control breaches.
• Prepare, review and validate credit management reports including sales forecasts, credit exposure, AR aging and excess monitoring as needed by RT, credit insurers and banks.
• Ensure all credit reviews are up-to-date and all supporting documents are filed.
• Ensure credit processes maintain consistency with relevant governance framework and documents and/or reporting process are in place.
• Prepare presentations for credit committees and insightful analytics/tools for the businesses.

Credit Risk Systems and Credit Risk Projects

• Utilization of various credit risk and accounting systems for credit risk management and administration (e.g., SAP, S&P CIQ).
• Lead and drive standardization and automation of credit related processes and continual improvements for the Credit Risk function.
• Initiate and participate in credit risks system enhancement and reporting needs (e.g., Credit dashboard, Excess reporting)
• Participate or lead in cross functional / BU / PG projects where required.

About you

To be successfully considered for this role, you will have:

• Degree in business studies and/or finance accounting. A post graduate degree (MBA, CPA, CFA or equivalent) and strong quantitative skills would be advantageous.
• Minimum of 10 years of relevant experience (gained as Credit Risk / Financial Analyst) in a financial institution, commodity trading or metals & mining environment.
• Working knowledge of trade finance solutions, trade credit insurance and parental/corporate guarantees.
• Strong portfolio, analytical and financial analysis skills with ability to communicate final credit decisions and recommendations, both in writing and verbally.
• Team player, mature and able to work independently with minimal supervision and very strong stakeholder management skills.
• Strong PC skills, Advanced Excel and working experience with SAP, S&P CIQ. Python programming and Power BI skill a plus.
• Working knowledge of Mandarin language will be beneficial.

What we offer

· A work environment where safety is always the number one priority

· A permanent position working directly for Rio Tinto

· A competitive base salary reflective of your skills and experience with annual incentive program

· Comprehensive medical benefits including health insurance for employees and immediate family

· Attractive share ownership plan

· Company provided insurance cover

· Career development & education assistance to further your technical or leadership ambitions

· Leave for all of life’s reasons (vacation/annual, paid parental, sick leave)

Where you will be working

Headquartered in Singapore, and integrated with Rio Tinto’s assets, hubs, and offices globally, our Commercial group works hand-in-hand with our product groups to ensure both the amount and types of products we produce meet our customer’s needs, and manage the trade-off between volumes, quality,cost and capital expenditure.

About US (GEMS):

ENGIE Global Energy Management & Sales (GEMS) provides energy supply solutions and risk management services to support its clients through their decarbonization journey, while optimizing ENGIE’s assets and contributing to value creation.

ENGIE is a global reference in low-carbon energy and services with a leading energy management business, piloted by its entity "Global Energy Management & Sales" who built its savoir-faire managing the Group’s large and diverse asset portfolio over 20+ years.

3,600 employees around the world develop our solutions, through +20 international business platforms. We cover the full energy mix: renewable and thermal power, natural gas & LNG, biomass, environmental products. Our experts provide tailor made solutions based on a wide range of savoir-faire in energy management with a strong focus on decarbonation and decentralization.

Our 190,000 clients span the entire value chain: producers, asset developers, financial players, utilities, distributors and industrials. Our global reach and strong local presence enable us to offer these diverse clients tailor-made services and respond to rapid changes in mature or emerging markets alike.

Our 4 areas of expertise:

• Asset management

• Energy transition services

• Energy supply & global commodities

• Risk management & market access

At GEMS we encourage breakthrough results, team spirit, curiosity and innovation while preserving the right work/life balance for you.

More info on GEMS Hub (https://gems.engie.com) or LinkedIn (https://www.linkedin.com/company/engie-global-energy-management-solutions).

Context:

In this role, you will report to the Chief Risk Officer, APAC. You will a key member of the APAC Credit Risk team in Singapore to ensure that all trading activities are in line with the credit risk requirements of the GEMS Risk Policy and the approved limit framework:

• Assessing credit risk and credit worthiness of APAC counterparties

• Setting, monitoring and enforcing credit risk limits

• Credit risk reporting & analysis

• Tailoring globally consistent monitoring and control processes to suit local requirements

Role:

As a Credit Risk Analyst, you will report to the APAC Regional Chief Risk Officer. You will collaborate to the fulfillment of the objectives of the department and may be involved in projects spanning multiple groups across commercial functions and staff.

Note: This is a 9 months - 1 year contract role.

The main responsibilities are to:

- Assess creditworthiness of counterparties in close collaboration with Front Office and other support functions

- Perform detailed credit analysis of counterparties and assigning internal ratings

- Present files and credit line requests to regular Credit Risk Committees

- Participate in counterparty relationship development with Front Office

- Negotiate credit, collateral, and payment terms in contracts in conjunction with Legal and Front Office, including ISDAs and physical master agreements

- Monitor credit risk indicators, exposures, limits, and utilization for a portfolio of counterparties.

- Respond to Front Office queries about potential trade exposures and credit limits availability

- Monitor news and credit events impacting portfolio of counterparties

- Understand risk calculation methodology, interface with Risk Methodology team in Europe

- Analyze major transactions and present material to GEMS and Group level committees

- Develop credit risk frameworks and methodologies for new products and markets

- Participate in cross-functional projects

Hard skills:

- Regular production of detailed credit files and assigning internal ratings

- Deep understanding of energy commodities markets, products, and counterparties

- Usage of credit analysis tools (S&P Capital IQ, Moodys, Reuters or Bloomberg)

- Solid understanding of credit exposure and risk modeling methodology (Credit VaR/PFE) and counterparty credit risk standards

Soft skills:

- Strong analytical skills (including performing financial analysis)

- Strong communication skills

- Excellent team player

- Meticulous, self-motivated, and highly organized with strong sense of ownership and responsibility.

- Maintain resilience under time and task pressures

- Digitalization/IT minded

Education and professional background:

- 7-10 years of credit risk experience in a commodities trading house or financial institution, with coverage of both physical and paper instruments

- Bachelor’s degree in Finance (Corporate Finance, Accounting, Economics) or equivalent

Preferred

- Experience with the ISDA and physical master agreements is a plus

- Derivatives knowledge and background, e.g. Greeks and pricing

Languages:

- Excellent communication skills in English both verbal and written

- Additional languages Chinese or Japanese, not mandatory but will be advantageous

Location:

- Singapore – Asia Square Tower 1

If you meet these requirements, then you are the talent we are looking for. Do not waste time!

Apply by attaching your updated CV, regardless your gender.

ENGIE Global Energy Management & Sales is committed to create a gender-neutral environment that unlocks the potential of everyone and provides equal employment opportunities for all individuals.

All our positions are open to people with disabilities, please let your recruiter know if you need reasonable accommodations to be able to participate in the recruitment process, they will be happy to assist you.

About ENGIE:

Our group is a global reference in low-carbon energy and services. Our purpose (“raison d’être”) is to act to accelerate the transition towards a carbon-neutral world, through reduced energy consumption and more environmentally-friendly solutions, reconciling economic performance with a positive impact on people and the planet. We rely on our key businesses (gas, power, renewable energy, services) to offer competitive solutions to our customers. With our 96,000 employees, our customers, partners and stakeholders, we are a community of Imaginative Builders, committed every day to more harmonious progress.

JOB DESCRIPTION – SENIOR CREDIT MANAGER

Provide strong risk governance, robust and balanced 2nd line challenge process for non-retail credit portfolios and to ensure business development within acceptable credit appetite and portfolio metrics.

JOB RESPONSIBILITIES

• Work closely with the first line by giving guidance on structuring credit facilities and regulatory requirements on credit policies.
• Provide recommendations for improving end-to-end credit process including guidance to business units through sharing sessions and transaction structuring alternatives to balance client and risk management requirements.
• Provide independent credit evaluation and make sound recommendations to improve asset quality while supporting business growth of the Bank.
• Manage the credit risk of the mid cap portfolio
• Exercise credit approval within own credit discretion
• Participate in various working groups / committees at Bank / industry / regulatory levels.

JOB REQUIREMENTS

• Bachelor’s degree in Banking and Finance / Business Administration / Economics or related discipline from a recognized university.
• Minimum 15 years of relevant credit evaluation & approval experience - well versed in credit analysis and financial modelling.
• Extensive experience in the mid-corporate/commercial banking credit space, with a strong emphasis on term lending, working capital financing and derivative products.
• Knowledge of credit underwriting best practices and compliance/regulatory issues, and
• Some experience of leading a team will be an added advantage.
• Good interpersonal and communication skills.

Company Description

As the world's leader in digital payments technology, Visa's mission is to connect the world through the most creative, reliable and secure payment network - enabling individuals, businesses, and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company's dedication to innovation drives the rapid growth of connected commerce on any device, and fuels the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce.
At Visa, your individuality fits right in. Working here gives you an opportunity to impact the world, invest in your career growth, and be part of an inclusive and diverse workplace. We are a global team of disruptors, trailblazers, innovators and risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, and doing meaningful work that brings financial literacy and digital commerce to millions of unbanked and underserved consumers.
You're an Individual. We're the team for you. Together, let's transform the way the world pays.

Job Description

Team Summary

The Card Product group manages the deployment and optimization of Visa’s core products base consisting of Credit, Debit and Prepaid payments solutions globally. The team is also responsible for the development and deployment of innovation across this product suite. To do this, we work in close partnership with Visa clients and key internal and external stakeholders across the globe. We are also the team responsible for leading the transition of conventional card-based solutions onto digital form factors, ensuring Visa payments solutions remain the market-leading way for consumers to spend their money and manage their payments across Visa’s global regions.

Director, Credit Product Management (AP) does at Visa:

Reporting to the Head of Core Product Management, AP, the role-holder will be responsible for initiatives across three broad areas of responsibility:

Credit Product best practices, leading identification, development and execution of Credit product best practices to drive improvements in usage, activation and preference for Visa amongst issuers and consumers

Drive credit innovation, through leadership for the AP region, of initiatives within the Visa 2030 strategy to expand Credit across traditional credit card issuance and the provision of credit outside of credit card issuance

Facilitate Visa thought-leadership, working closely with in-market teams in AP to develop a clear point of view on the direction of credit, working closely with Global counterparts. The role-holder will lead a small team of direct reports and will work closely with in-market colleagues across AP, in other Visa regions and in the Global team to develop end-to-end consumer experiences that drive client preference for Visa as a strategic partner and make us an enabler of superior value propositions for digitally-enabled consumers.

An essential part of Visa’s success is the establishment and application of rules and standards, to ensure a uniform, reliable point-of-sale UX, both online and offline. The Director will be responsible for efficient administration of these Rules and Standards as they pertain to Credit Products, ensuring that the Rules are fit-for-purpose, while also ensuring their efficient operation and administration.

The role-holder will be responsible for the identification, development, commercialization and launch of new ways to grow the consumer credit business as part of Visa’s 2030 corporate strategy, working closely with in-market teams and with global counterparts as well as Visa issuers to expand “credit-card” issuance, as well as newer ways of efficiently facilitating the provision of unsecured credit.

As part of this role, the Director will also be responsible for facilitating the collation, analysis and dissemination of best practices and recommendations for optimal Credit Product performance both internally within Visa, and as a thought-leader externally, working closely with Visa Consulting & Analytics.

You will need to be highly collaborative and will be the key interface between the market teams and Visa’s global team to ensure our platforms drive product differentiation, consumer activation and engagement

As well as working with in-market, client-facing teams, your team will work closely with in market colleagues, Corporate Strategy, Marketing, Client Services, Finance, Pricing, Legal and Compliance.

Why this is important to Visa

Credit Products are one of the key basis for Visa’s business globally and encompass conventional card-based credit programs as well as newer solutions such as Instalments. Consumer credit spans most life-stages and income segments in all Visa’s markets from entry-level credit products through to solutions designed to meet the needs of Ultra-High Net Worth consumers and as such is a key platform for revenue generation and consumer engagement for Visa and our clients. As the largest of Visa’s solutions sets, Core Products offer Visa the most visible and impactful opportunity to drive digital payments enablement and thus is a key part of our digital migration strategy.

Qualifications

What you will need:

• 12-15+ years of experience and at least 8 – 10 years of experience in the payments industry, preferably in product development, product management & strategy
• Experience in financial services, fintechs, telecom, retail and ecommerce will be an advantage
• Proven experience in P&L ownership & sharp understanding of macroeconomics, consumer behavior, product operations, business processes
• Established credentials in delivering product & business solutions and keen interest in payment technology & innovation
• Understanding of network product, rules, technology will be advantageous
• Strategic thought leadership coupled with execution bias to drive initiatives and meet key result areas
• Sound business acumen, analytical skills and keen understanding of new technology payment business models and profitability drivers
• Understanding of Visa business and organization strongly preferred

What will also help:

• Master’s Degree in business, engineering or a related field

Projects you will be a part of:

• Leadership of a small team of payments subject matter experts in Singapore, providing advice and guidance on Product Development, Campaign Management, project management and initiative execution
• Development, roll out and monitoring of financial performance indicators for core products across segments, consisting of gross/net revenue targets, A&P budgets, product metrics
• Leading the development and execution of our strategy to expand credit across the region in collaboration with in-market colleagues – both through already established channels as well as newer routes to market
• Development and execution of Visa’s strategy to expand credit and development of our ‘future of Credit’ thought leadership positioning for industry and media consumption
• Launch of new solutions based on cross-functional collaboration using Visa’s products and capabilities or through fintech, loyalty partners, merchant co-brand partners and other third parties
• Global ownership of Visa Rules, including taking responsibility for any updates and innovations to drive Product Rule flexibility where necessary
• Provision of Subject Matter Expertise (SME) support on client activities, client consultation and project delivery across all of Visa’s global regions
• Drive Visa preference amongst our issuing client base through all of the above and working in close collaboration with our Relationship Management and other client-facing teams
• Business planning, management reporting, analytics, budget management and adherence to compliance standards across all activities
  

PRINCIPAL ACCOUNTABILITIES:

• Responsible for underwriting and assessing credit propositions and transactions submitted by Relationship Managers, to ensure compliance with the Bank’s credit policies and procedures, risk acceptance criteria where appropriate, and regulatory requirements.
• Complete annual and/or loan reviews assigned.
• Participate in client calls with the Relationship Managers.

KEY COMPETENCIES:

• Degree holder with a minimum of 3 years of relevant credit, risk or accounting experience; seasoned credit analysts of medium to large corporations can be considered for this role.
• Strong analytical, communication and interpersonal skills are required.
• Familiar with MS software applications such as Word, Excel, PowerPoint etc.
• Excellent verbal and written communication skills are essential.
• Ability to work well with others and independently, a team player, accountable and a positive work attitude are essential qualities.
• May deal with Mandarin-speaking stakeholders and documents. Proficiency in English and Mandarin is essential

We are seeking a highly motivated and result oriented Underwriter to join our Credit & Surety Underwriting APAC team in Singapore.

Growing economic profit from Credit & Surety clients in your dedicated geographical area of responsibility will fall under your remit.

If you are that ambitious individual, who embraces new challenges and encouraging opportunities and feels at ease in a multifaceted and international environment in which success is dependent on a true and open team approach, then you might be our new colleague!

About the Role

You will be responsible to accurately assess and cost Credit & Surety reinsurance products and provide high-quality Underwriting analyses and decisions, consistent with Swiss Re’s risk appetite and guidelines. You will provide clients with reinsurance solutions which meet their marketing objectives, regulatory constraints and profitability targets.

Main activities of this role:

• Analyze and assess treaty and facultative business regarding risks, exposure and profitability and conduct adequate costing
• Provide sound underwriting recommendations and decisions and ensure business is underwritten in compliance with Swiss Re’s guidelines and policies
• Negotiate reinsurance terms and conditions directly with clients or in collaboration with Client Underwriters
• Regularly interact with insurance clients, brokers and professional service providers in credit ecosystems to gather relevant information on market trends and opportunities as well as ensure a diligent underwriting and claims management
• Ensure efficient coordination with internal stakeholders in Client Underwriting, Business Services, Credit Risk Management, Contracts, Business Management and Finance

About the Team

Credit & Surety Reinsurance Underwriting covers clients in Credit, Surety and Political Risk Insurance worldwide. Being part of the Global Specialty unit, the team is located in several premises across America, Europe and Asia.

About You

You are a great teammate with a “can do” attitude and strong interpersonal skills who naturally brings individuals together as needed, across countries and functions.

• Professional education (university degree in business administration, economics or law)
• Ideally two years of successful track record in a Credit & Surety underwriting-related position
• Strong analytical and conceptual skills
• Proficient level of English language; any other Asian language is an advantage.

Letter of Credit Documentation & Operations Executive

Job Highlights

• Homegrown Commodity Trading Company
• Servicing International clients
• Work-life balance

A home grown, S'pore Commodities trading firm is looking for someone who is keen in international trade in the global commodities business.

Job Description

• Handle Letter of Credit and shipping documents and co-ordinate shipping operations activities

• Co-ordinate with Banks, Suppliers, Customers and Carriers

• Provide efficient, reliable and timely support in vessel chartering (Tankers & Bulk Carriers)

• Provide sales support to Trading Managers, existing clients and new opportunities

Requirement

• Applicant must possess a University Degree, Post Diploma in Supply Chain or Maritime Studies

• Trade operations experience in a Trading Company

• Strong operations/technical aptitude

• A mature person with an eye for details, meticulous, hardworking and a good team player.

• Applicant must be Bi-lingual

Salary range: SGD 3,500 to 5,000

Working location: Paya Lebar Square

Company Overview

Founded in 2006 by traders with over twenty years of experience in the petrochemical industry.

As professional commodities traders, we are responsive to market changes and we provide enthusiasm, flexibility and meticulous attention in order to assist our customers with the most up-to-date information on market outlook, pricing, marketing support, and ensuring timely distribution of products.

Our offices and local presence in strategic Southeast Asian countries keeps us up to date with market conditions in the region and ensures that we can provide our buyers and sellers with comprehensive internal and external communication and co-ordination.

We look forward to working with you.

Job Description

• Industry/ Organization Type: Material Handling Equipment Supplier
• Position Title: Control System Engineer (Electrical Control Panels)
• Working Location: East – Ubi (Walking distance from MRT to the company)
• Working Hours: 5 days (Mon-Fri: 8.30am-6pm)
• Salary Package: Up to SGD 4500 + AWS
• Duration: Permanent

Key Responsibilities

• Managing integration engineering tasks.
• Developing and implementing electrical circuits from the initial concept, through design, to programming.
• Programming PLCs, with proficiency in brands like Siemens, AB, Omron, Mitsubishi
• Installing, starting up, testing, and commissioning electrical control panels both in-house and on-site.
• Calculating complete costs for control panels necessary for projects.
• Conducting operational and maintenance training for customers and colleagues.
• Creating Operational and Maintenance manuals for completed projects.
• Diagnosing and repairing issues with delivery systems.
• Working independently both in-house and on-site.
• Coordinating with owners, subcontractors, and vendors.
• Meeting customer expectations according to engineering standards.
• Ensuring reports are submitted accurately and on time.

APPLY NOW!!!

• Min. Diploma in Electrical, Mechatronics, Automation, or Instrumentation Control System Engineering
• Min. 2 years of experience in the design and troubleshooting of Electrical Control Panels and PLC Programming
• Experience with material handling equipment or weighing systems is highly advantageous
• Hands-on experience in servicing and troubleshooting such systems is preferred
• Ability to read and understand schematic, electrical, and mechanical diagrams
• Must know Auto-CAD
• Willing to travel on short notice if required based on the project

Kindly apply through ANY of the following methods:

• Submit your application by clicking the APPLY button;
• Email your resume to [email protected]. Please indicate #71642 on the email subject.

Anradus Application Policy: We value each application and ensure every resume is reviewed. Our process is efficient, typically concluding within 3 working days. If you do not receive communication from us within this timeframe, it's likely that your application has not been shortlisted by our client. In such cases, we recommend continuing your job search to maximize your opportunities.

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