Wholesale Credit Risk Manager

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 Risk Manager

What you do
Your day-to-day responsibilities will include:
•    Review and assess Credit Proposals / Credit Reviews / Credit Memos and other credit applications for corporate and commercial borrowers. 
•    Conduct independent credit analysis on borrowers, guarantors, security structures, industry outlook, financial performance, cash flow generation and repayment capacity. 
•    Evaluate key credit risks and assess the adequacy of risk mitigants proposed by Business Units. 
•    Verify the appropriateness of customer segmentation, industry classification, credit grading and internal rating assessments performed by Business Units. 
•    Review compliance with the Bank's Credit Policies, Target Market (TM), Risk Acceptance Criteria (RAC), regulatory requirements and internal guidelines.
•    Review ESG risk assessments and ensure that the proposed ESG risk rating is appropriate and adequately supported.
•    Independently review AML/CFT/KYC-related information and identify any material concerns that may affect credit decisions.
•    Ensure that the Bank's exposure remains within approved internal, regulatory and concentration limits.
•    Exercise delegated lending authority to approve, decline, recommend or escalate credit applications as appropriate.
•    Participate in annual reviews, portfolio reviews, watchlist monitoring and problem credit discussions where required.
•    Independently review covenant compliance and approval condition fulfilment where applicable.
•    Provide credit advice and feedback to Business Units on structure, risk mitigation and policy interpretation.
•    Support the implementation of credit policy enhancements, regulatory changes, system enhancements and other departmental initiatives.
•    Perform ad hoc assignments and projects as assigned by Team Head and Department Head


Who you are
•    Bachelor’s degree or above, preferably in Accounting, Finance, Banking, Business Administration or related disciplines 
•    Minimum 8 years of experience in corporate banking, credit analysis, credit risk management or wholesale lending, with substantial experience in independent credit assessment
•    Strong financial analysis and credit assessment skills. 
•    Proficient in Microsoft Office applications including Excel, Word and PowerPoint. 
•    Good understanding of financial statements and credit risk fundamentals. 
•    Strong analytical and report writing skills. 
•    Good command of English and Chinese (written and spoken)


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.

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.