Senior Credit Evaluation Manager

1 day ago

Cecil St Singapore RHB Singapore Full time $120,000 - $240,000 per year
Company Description

RHB Singapore is a progressive and growing financial organization. We are committed to creating a fulfilling, dynamic and engaging work environment for our team of more than 15,000 employees across locations in ASEAN.

Job Description

Key Responsibilities:

Evaluation

  • Provide credit risk evaluation of credit applications submitted by the various business units and identify /address /mitigate all pertinent credit risk issues.
  • Approve credit applications within 'Delegated Lending Authority' assigned or recommend to next higher approving level for approval in accordance with the DLA architecture set out.
  • For credit applications submitted by CORP, IB, CB & FIG, to review the 'credit risk grade' generated and affirm or reject /override the credit grade with justification.
  • For credit applications submitted by PFS, to ensure that the respective product parameters, credit guidelines and regulatory requirements are met or well mitigated.
  • Evaluate and approve, reject or recommend operational and administrative requests of CORP, IB, CB, FIG & PFS customers such as variation of terms & conditions.
  • Keep abreast of industry developments, market sentiments and the general business trend and their impact on our banking business.

Compliance

  • Ensure that credit applications submitted are in line with the Bank's credit guidelines & policy, rules and regulations as laid down in the Bank's circulars and operations manuals, regulatory requirements (MAS Notices and Circulars, Banking Act).
  • Address issues raised by auditors and MAS relating to credit matters.

Others

  • Undertake ad-hoc projects and other duties assigned by Head of Credit Evaluation or Senior Credit Manager from time to time.
  • Conduct joint customer visits with business units to better understand risks pertaining to their credit applications and provide them guidance on structuring of credit facilities.
  • Assist in the day-to-day operations and administrative functions of the department.
Qualifications

Requirements:

  • Degree /professional qualifications in Business, Accounting, Banking, Finance, Economics or other relevant disciplines.
  • Minimum 10 years working experience in credit risk evaluation /analysis of corporate, SME and retail lending.  Knowledge of MAS statutory requirements is required for retail lending (i.e. housing & commercial property loans).
  • Possess strong credit writing and analytical skills in corporate /SME lending.
  • Good communication and interpersonal skills.
Additional Information

RHB is a dynamic organization that promotes a work culture of high performance, where its biggest asset, the RHB-ians, are continuously developed & nurtured to their fullest potential through its robust talent management practices.

At RHB, we take PRIDE in our people and our teams. Great relationships built on trust, a 'leading it right' environment, challenging assignments and a culture of excellence are the pillars to the dynamic and diversified workplace we call home.

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