A&A - SG - Internal Audit - Credit Risk (Analyst)

A&A - SG - Internal Audit - Credit Risk (Analyst) Are you ready to unleash your potential? At Deloitte, our purpose is to make an impact that matters for our clients, our people, and the communities we serve. We believe we have a responsibility to be a force for good, and WorldImpact is our portfolio of initiatives focused on making a tangible impact on society’s biggest challenges and creating a better future. We strive to advise clients on how to deliver purpose-led growth and embed more equitable, inclusive as well as sustainable business practices. Hence, we seek talented individuals driven to excel and innovate, working together to achieve our shared goals. We are committed to creating positive work experiences that foster a culture of respect and inclusion, where diverse perspectives are celebrated, and everyone is recognised for their contributions. Ready to unleash your potential with us? Join the winning team now! Work you’ll do Support risk based audit planning, process walkthroughs, control design assessments, sample selection, testing and follow up of agreed actions. Review credit origination and underwriting, financial analysis, credit proposals, delegated approvals, risk ratings, collateral and covenants, disbursement, periodic reviews and ongoing monitoring. Examine credit files and portfolio information to identify exceptions, deteriorating exposures, overdue reviews and weaknesses in escalation, classification or remedial management. Assess whether credit practices follow applicable client policies and relevant Singapore regulatory requirements; document the basis for each conclusion. Prepare clear working papers, discuss factual observations with clients and contribute to reports with practical recommendations. Work with colleagues across audit, risk and specialist teams where an engagement requires quantitative models, data analytics or technology expertise. Your role as a leader At Deloitte, we believe in the importance of empowering our people to be leaders at all levels. We connect our purpose and shared values to identify issues as well as to make an impact that matters to our clients, people and the communities. Additionally, Associates / Analysts across our Firm are expected to: Demonstrate a strong commitment to personal learning and development. Understand how our daily work contributes to the priorities of the team and business. Understand the set expectations and demonstrate accountability in keeping personal performance on track. Actively focus on developing effective communications and relationship-building skills with stakeholders, clients and team. Demonstrate an appreciation for working with others. Understand what is fundamental to Deloitte’s success as a business. Demonstrate integrity and an awareness of strengths, differences, and personal impact. Develop their understanding of Deloitte and offer a fresh perspective. Requirements A degree in finance, accounting, economics, banking, business, risk management or a related discipline, or equivalent relevant experience. Experience or demonstrable exposure in credit analysis, lending operations, credit risk management, credit review, internal audit or financial services risk advisory. Corporate or commercial lending exposure is especially useful; retail, trade finance or structured finance experience is also welcome. Working knowledge of how credit decisions are documented and monitored, including financial statements, repayment capacity, internal ratings, collateral and covenant compliance. Ability to examine evidence carefully, use Excel to analyse exceptions, write concise findings and communicate constructively with clients. An interest in Singapore banking regulation and the ability to identify which requirements apply to a client and engagement. Additional experience that would help: Credit portfolio monitoring, early warning indicators, problem loans or restructuring; exposure to funds, financial institutions or cross border lending. Familiarity with expected credit loss or credit risk models, such as IFRS 9, PD, LGD and EAD, is useful for relevant assignments but is not required for every engagement. CIA, FRM, CFA, CA or comparable study; experience with SQL, Python or audit analytics. Due to volume of applications, we regret only shortlisted candidates will be notified. Candidates will only be contacted by authorized Deloitte Recruiters via firm’s business contact number or business email address.