Senior Credit Specialist or Credit Specialist

1 week ago

Singapore Royal Bank of Canada Full time

Come Work with Us
At RBC, our culture is deeply supportive and rich in opportunity and reward. You will help our clients thrive and our communities prosper, empowered by a spirit of shared purpose.


Whether you're helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work that matters in the world, in an environment built on teamwork, service, responsibility, diversity, and integrity.


Job Title
Senior Credit Specialist or Credit Specialist (Singapore)

What is the opportunity?
We are looking for a Credit Specialist or Senior Credit Specialist to join our team in Singapore. As a credit specialist, you will be responsible for structuring optimal credit solutions that best suit client liquidity needs.

What will you do?

  • Work with clients and RMs to structure optimum creditbased solutions within RBC risk appetite and lending parameters and to assess exception lending values request and policy exceptions.
  • Manage the risk and reward, pricing of transactions, ROE and profitability of credit book within wealth management
  • Ensure continued alignment of the credit portfolio with wealth management business and risk strategies and RBC policies and procedures
  • Conduct analysis on transaction request and risk of borrower and transaction.
  • Ensure transaction remains within approval guidelines; covenant and financial compliance of the transaction/borrower to maintain credit quality
  • Responsible for the maintenance, review and reporting of high quality risk profile of the portfolio
  • Follow up on margin shortfall and develop action plans to cure.
  • Assist with enhancement of policy and credit products to meet the needs of clients and the business
  • Proactively monitor the regulatory updates and changes that affect credit, particularly on mortgage lending
  • Assist with the development of credit training
  • Other credit related projects where suitable.

What do you need to succeed?

Must-have

  • The role would typically require a minimum of 3 years of experience in credit structuring, credit product development, credit portfolio management and/or credit sales
  • Good product knowledge and sound understanding of wealth management business
  • Strong risk assessment and credit skills
  • As the role requires speaking to international clients, proficiency in spoken English is essential
  • As this role might require speaking to North Asia based clients, proficiency in spoken Mandarin is essential
  • A good team player with strong interpersonal and presentation skills

Nice-to-have

  • Being degree educated in Banking and Finance, Business and Accounting or related discipline is a nicetohave, but not essential
  • As this role might require speaking to North Asia based clients, proficiency in written Chinese is nicetohave

What's in it for you?


We thrive on the challenge to be our best - progressive thinking to keep growing and working together to deliver trusted advice to help our clients thrive and communities prosper.

We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.


  • A comprehensive Total Rewards Program including bonuses, flexible benefits and competitive compensation
  • Leaders who support your development through coaching and managing opportunities
  • Opportunities to work with the best in the field
  • Ability to make a difference and lasting impact
  • Work in a dynamic, collaborative, progressive, and highperforming team
  • A worldclass training program in financial services
  • Flexible working options fully supported.

Job Summary
We are looking for a Credit Specialist or Senior Credit Specialist to join our team in Singapore. As a credit specialist, you will be responsible for structuring optimal credit solutions that best suit client liquidity needs.

Address:

Singapore, Singapore

City:

SGP-SINGAPORE

Country:

Singapore

Work hours/week:

40

Employment Type:

Full time

Platform:

Wealth Management

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

:00

Application Deadline:

:00

Inclusion
and Equal Opportunity Employment
At RBC, we embrace diversity and inclusion for innovation and growth.

We are committed to building inclusive teams and an equitable workplace for our employees to bring their true selves to work.

We are taking actions to tackle issues of inequity and systemic bias to support our diverse talent, clients and communities.


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