Senior Associate, Credit Analyst

Senior Associate Credit Analyst

Westpacs Institutional Banking division is seeking a Senior Associate Credit Analyst to join its Asia business based in Singapore. This is a key credit role supporting priority client relationships across the region and offers meaningful exposure to complex multi-product transactions and senior stakeholders.

Reporting to the Head of Relationship Coverage Asia the role is responsible for endtoend credit coverage of a defined client portfolio. You will act as a trusted credit partner to relationship managers and product teams with clear accountability for credit judgement risk identification deal structuring input and ongoing portfolio monitoring.

Key Responsibilities

• Lead credit coverage for a defined portfolio of corporate clients across multiple sectors with accountability for credit assessment structuring considerations and risk recommendations for new and existing relationships.
• Prepare high-quality credit submissions including financial analysis industry and sector assessment downside and stress scenarios and clear articulation of key credit risks and mitigants.
• Provide independent credit judgement and effective challenge to relationship managers and product partners balancing commercial objectives with prudent risk outcomes.
• Actively monitor portfolio exposures identifying emerging risks covenant performance and early warning indicators and escalating issues in a timely and constructive manner.
• Contribute to transaction structuring including facility terms covenants and security to ensure appropriate risk-adjusted outcomes.
• Collaborate closely with internal stakeholders across coverage product credit risk and other control functions to support efficient deal execution.
• Participate in broader credit and business initiatives including portfolio reviews sector work and continuous improvement of credit practices.

What Were Looking For

• Demonstrated experience in credit analysis and risk assessment within corporate or institutional banking including the ability to form and articulate clear credit views under ambiguity.
• Strong financial analysis and cash flow modelling capability with experience assessing complex capital structures and lending arrangements.
• Welldeveloped written communication skills particularly in the preparation of concise high-quality credit papers for internal approval forums.
• Sound commercial judgement and the ability to challenge constructively while maintaining strong stakeholder relationships.
• A proactive self-directed approach with the ability to operate with a high degree of autonomy while contributing effectively within a team environment.

Why Join Us

• A core credit role supporting material client relationships within Westpacs Asia franchise.
• Exposure to complex crossborder transactions across multiple products and sectors.
• Close interaction with senior relationship product and risk stakeholders locally and globally.
• Clear opportunity to build depth in credit judgement portfolio ownership and structuring capability supporting career progression opportunities over time.

If you are seeking a role where credit judgement commercial awareness and professional development genuinely matter we would welcome your application.