Recruitment

Credit Officer

Position Overview

Job Type
Permanent, Full Time
Location
Singapore
Business Overview
Based in Singapore, you will be part of local credit team and responsible forevaluating thecreditworthiness of individuals seeking auto loans, managing loan portfolios, and ensuringcompliance with credit policies and regulations.
Job 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 theauto 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.
Job Requirements
  • Proven experience as a Credit Officer or in a similar credit analysis role, preferably in theauto 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
Our people and network

Since 2023, X Star has expanded operations into Singapore, Japan, and Malaysia, building a dynamic working environment on innovation, teamwork, and diversity. As we continue to break new ground in the industry, we invite talented and passionate individuals to join us in shaping the future. Be part of a fast-expanding business where your ideas matter, your growth is prioritized, and your contributions make an impact.

Join us and embark on an exciting journey of professional and personal fulfillment!

Application