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Senior Credit Analyst (SME)

International Permanent View Job Description
We are partnering with a reputable financial institution providing cross-border and working capital financing solutions to SMEs across the region. This role sits within the credit function supporting SME, trade, and structured working capital lending, with strong exposure to regional portfolios and cross-border transactions.
  • Shape regional trade finance with your credit expertise
  • Drive SME growth through smarter credit decisions

About Our Client

The organisation is part of a global financial group with deep expertise in trade and supply chain finance. Its Singapore platform focuses on enabling SME clients to access structured financing that supports business growth, trade expansion, and liquidity optimisation. The environment offers strong governance, regional exposure, and long-term career development within a collaborative and stable platform.

Job Description

  • Conduct credit screening, due diligence, and financial analysis on new and existing SME clients, including review of financial statements and external credit data.
  • Prepare and present comprehensive credit proposals and risk assessments, recommending appropriate credit limits, structures, and terms.
  • Assess and manage credit insurance limits and internal exposures in line with approved risk appetite and credit policies.
  • Monitor post-lending performance, including payment behaviour, covenant compliance, and early warning indicators.
  • Partner closely with relationship management, risk, and operations teams to support prudent portfolio growth.
  • Contribute to the enhancement of credit processes, reporting standards, and audit readiness across the credit function.

The Successful Applicant

  • At least 8 years' experience in SME credit underwriting within a bank or regulated financial institution.
  • Strong understanding of trade finance, receivables finance, or working capital lending.
  • Demonstrated ability to work independently on credit assessments while collaborating across front-office and risk stakeholders.
  • Strong analytical, written, and presentation skills, with sound commercial and risk judgment.

What's on Offer

This role offers the opportunity to be part of a growing regional banking platform with strong institutional backing and a robust governance framework. You will gain broad exposure to cross-border SME and trade finance lending, work closely with experienced credit and business professionals, and contribute meaningfully to portfolio growth. The organisation offers a clear career pathway, regional visibility, and competitive compensation aligned with experience and performance.

Contact
Devan Nanthacumar (Lic No:R1871442 / EA no:18S9099)
Quote job ref
JN-102025-6867897
Phone number
+65 6416 9879

Job summary

Function
Banking & Financial Services
Specialisation
Risk Management
What is your area of specialisation?
Financial Services
Location
International
Contract Type
Permanent
Consultant name
Devan Nanthacumar (Lic No:R1871442 / EA no:18S9099)
Consultant contact
+65 6416 9879
Job Reference
JN-102025-6867897

Diversity & Inclusion at Michael Page

We don't just accept difference - we celebrate it. We encourage applicants from all backgrounds to apply for this role and are committed to building inclusive, diverse workplaces where everyone can thrive. If you require any support or reasonable adjustments during the recruitment process, please let us know.