Job description

Job Description

About the Department

The Credit and Risk Management function is comprised of three teams: Risk Management, Credit and Special Asset Management. We manage the risks arising from the Group’s business activities within the risk appetite established by the Board. This involves identifying and evaluating the risks, developing effective risk governance and strategies as well as providing independent assessment of the overall risk profile.

Job Responsibilities

• Independently review and evaluate credit applications, ratings and transactional approvals for new and existing Large Corporates and Funds clients, across the Bank’s Wholesale Banking portfolio, including Singapore, overseas branches and overseas subsidiaries.
• Provide independent and appropriate credit approvals/recommendations, ensuring that all material risks are identified, appropriately mitigated, and aligned with the Bank’s credit policies and risk appetite.
• Exercise the personal-to-holder Credit Discretionary Limit responsibly, applying sound judgment, integrity, and prudent credit risk principles.
• Stay current with macroeconomic trends, industry developments and regulatory changes, ensuring credit decisions incorporate relevant sector and country risks.
• Maintain portfolio oversight by monitoring concentration risks, identifying credits with early warning signals, and recommending timely risk‑mitigation actions.
• Collaborate with internal stakeholders to conduct targeted portfolio reviews, providing insights to enhance risk management.
• Undertake additional tasks and initiatives when required, including supporting improvement of credit processes, frameworks, and governance standards.

Job Requirements

• Bachelors degree or higher.
• Minimum 20 years of relevant banking experience, including exposure to Corporate Banking Coverage.
• Deep understanding of credit and risk management principles, with strong analytical skills.
• Meticulous and ability to work efficiently.
• Ability to articulate, justify and defend credit decisions to internal stakeholders.
• Demonstrated integrity and a team player.
• We value candidates with broad industry knowledge and a strong understanding of trade-related risks and structures.

Additional Requirements