Overview

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.

This is the broad job description of the job profile. Definitive job description should be reviewed and discussed between you and your manager.

Credit Analyst

Why Join

We are looking for individuals with strong credit risk awareness, a growth mindset, and the confidence to embrace new challenges. If you are adaptable, proactive, and an effective communicator, this role provides an excellent opportunity to further develop your credit expertise. As part of our team, you will gain meaningful exposure to the Real Estate and Construction portfolio and play a key role in our credit assessment and decision‑making processes.

How you succeed

To succeed in this role, you will need a disciplined and detail‑oriented approach to credit review—analyzing financial statements, constructing cashflow projections, assessing risk profiles and presenting sound recommendations. Staying current with industry trends and regulatory developments is essential to maintaining high‑quality credit assessments. You should also be able to distill complex information into clear, concise insights that support effective decision‑making. Strong analytical skills, sharp judgment, and clear communication will enable you to excel and contribute meaningfully to our credit function.

What you do

  • Assess credit risk for commercial banking customers in the Real Estate and Construction sectors, including financial analysis, cashflow projection & evaluation, and review of industry trends.
  • Liaise closely with Relationship Managers to gather the necessary information for credit assessments.
  • Prepare and draft credit reviews in accordance with the Bank’s policies, procedures, and regulatory requirements.
  • Stay updated on market developments, industry trends, economic conditions, and regulatory changes that may impact credit quality and provide insights in the credit assessment.
  • Work collaboratively with Credit Managers to ensure timely approval of credit reviews.

Who you are

  • Self‑driven with strong analytical skills, able to analyze financial information and assess credit risks effectively.
  • Excellent written and verbal communication skills, with the ability to build strong collaborative relationships with Relationship Managers, Credit Managers, and relevant stakeholders.
  • Detail‑oriented, with the ability to work both independently and as part of a team.
  • Strong time management abilities, capable of prioritizing and managing multiple tasks and deadlines.
  • Knowledge of commercial lending is advantageous; proficiency in Microsoft Word and Excel will be helpful.

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 organization.
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.

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About

OCBC is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. It is now the second largest financial services group in Southeast Asia by assets and one of the world’s most highly-rated banks, with an Aa1 rating from Moody’s. Recognised for its financial strength and stability, OCBC is consistently ranked among the World’s Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker.

OCBC and its subsidiaries offer a broad array of commercial banking, specialist financial and wealth management services, ranging from consumer, corporate, investment, private and transaction banking to treasury, insurance, asset management and stockbroking services.

OCBC’s key markets are Singapore, Malaysia, Indonesia and Greater China. It has more than 570 branches and representative offices in 19 countries and regions. These include about 300 branches and offices in Indonesia under subsidiary Bank OCBC NISP, and over 90 branches and offices in Mainland China, Hong Kong SAR and Macau SAR under OCBC Wing Hang.

OCBC’s private banking services are provided by its wholly-owned subsidiary Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals.

OCBC's insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia. Its asset management subsidiary, Lion Global Investors, is one of the largest private sector asset management companies in Southeast Asia.