VP / AVP, Specialist, Credit Risk Management, SME Banking, Risk Management Group
Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure
LP Credit Risk Managers are responsible for the assessment of credit proposals as well as daily risk management of SME banking customers under local program.
Key responsibilities include:
Assess credit proposals and reviews submitted by IBG3&4 and provide quality and consistent credit decisions that adhere to the bank's policies while ensuring that a balanced view is achieved between credit and business considerations. Play an active role in managing the quality of the credit portfolio including monitoring the portfolio's risk profile, follow up on outstanding risk reports, addressing data quality issues, conducting portfolio reviews and evaluating portfolio performance under stress.
Deliver quality and consistent underwriting decisions based on sound judgement and in line with LP guidelines and the bank's policies Proactive risk management of the portfolio Achieve specified performance standards Participate in and contribute to designated projects as a representative of RMG-IBG 3&4 Credit Singapore Provide assistance to CP CRMs in underwriting CP loans when required Evaluate and implement process improvement to achieve efficiency Support ecosystem agenda across the group Responsibilities
Underwrite LP credit proposals within delegated approving authority. Ensure credit proposals / reviews are processed in adherence with specified credit standards and within the specified turnaround time.
Proactive Risk Management
Provide inputs to Program Managers to monitor portfolio risk profile, economic/industry/ competitive/regulatory developments, and evaluate portfolio performance under stress conditions. Proactive risk management of the portfolio to ensure timely identification of weak/vulnerable credits and adoption of appropriate remedial strategies; demonstrates ability to determine risk strategies for vulnerable credits including stress tests, Specific Provision and NPL projections Manage watchlist cases including the Specific Provision and NPL projections Conduct borrower visits where appropriate
Achieve Performance Standards
Meet TAT targets set Provide credit support to the other credit underwriting team (ie CP) where necessary in order to maintain stipulated credit turnaround time for both underwriting teams
Participate in credit product / program review and approval process by providing inputs to program managers to establish and refine local program parameters for new and existing credit products Participate in and contribute to designated projects as a representative of IBG 3&4 Credit, Singapore Participate in credit risk forums to share credit risk perspectives CP case transfer Leverage on Credit Risk Dashboard to identify and rectify data quality issues. Requirements
University Degree in Banking/Business/Accountancy Good interpersonal skills Good oral and written communication skills Minimum 3 years of relevant credit experience in corporate lending. Good knowledge of general banking operations, products and services. Good working knowledge of Basel II / III requirements. Apply Now
We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.