Credit Underwriting and Portfolio Management, Sme

1 week ago

Singapore MariBank Full time

**Responsibilities**:

- Set up and oversee procedures for daily credit operations, work with operation teams to manage day-to-day matters arising from SME loan onboarding and portfolio monitoring
- Formulate credit risk management framework to ensure the SME & Retail loan portfolio stay within the banks’ risk appetite and comply with regulation.
- Develop and maintain credit policies and procedures; Manage timelines of Product Program and Credit policy renewal.
- Work with stakeholders for development of product programs and test programs to support new business and product launches and ensure compliance with applicable credit policies and processes.
- Develop and maintain loan origination and portfolio management policies for SME and retail lending products including underwriting rules, limit assignment and risk-based pricing etc.
- Perform periodic monitoring of risk profiles, concentrations, and economic / industry / regulatory development.
- Conduct portfolio performance analysis and make recommendations on credit risk actions when necessary to ensure that sound portfolio quality.
- Participate in credit portfolio stress testing on regular basis to fulfil both internal and regulatory requirements.
- Responsible to work with business and collection teams to implement industry wide or internal relief programs when required.
- Work closely with business team, development, and other functions on new initiatives as necessary.
- Be a back-up for the large corporate and Treasury credit analyst

**Requirements**:

- Bachelor’s degree or above in Business, Finance or Statistics.
- Familiar with MAS regulations such as MAS Notice 635, 656, 612, MAS Guideline on Risk Management Practices
- Analytical mindset, good communication and presentation skills
- Meticulous and self-driven to produce end results.
- Good knowledge on credit risk / collections scorecard.
- Knowledge of portfolio monitoring techniques & tools e.g. MS PPT, PySpark/SQL is a plus
- Knowledge of PowerCurve Strategy Management (or equivalent decision engine) is plus.

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