Senior Credit Manager, Specialised Finance Risk, Securitisation

Job ID: 30456

Location: Singapore, SG

Area of interest: Governance, Risk Management & Compliance

Job type: Regular Employee

Work style: Hybrid Working

Opening date: 3 Jun 2025

**JOB SUMMARY**
- An expansive role in Specialised Finance Risk, managing credit risk, within the second line of defence. A business aligned function partnering the Corporate & Investment Bank - Global Markets - Credit Trading business in the public and private securitisation market; namely ABS, CLO, MBS and middle-market lender finance.**RESPONSIBILITIES**:

- Awareness and understanding of the business, economic and market environment in which the Group operates.
- Identify, measure, and monitor material risk affecting Specialised Finance portfolio in the context of the external market environment.
- Maintain and develop the risk capabilities, and skills to meet ongoing business needs and plans.
- New transaction deal screening and due diligence, with the ability to unpack complex situations or niche sectors to find out-of-box solutions, and value creation for clients.
- Influence business and / or support senior credit risk officers for best-in-class underwriting with a deep dive into market analysis and rating agency methodologies.
- Conduct new transaction request due diligence with expert judgement on asset portfolio risk, structural mitigants, originator and servicer analysis, supporting cashflow stress testing, operational risk assessments and liquidity / asset realisation assessment.
- Review Business Credit Applications, ensuring these are in line with internal Credit Underwriting Principles, and a timely submission for credit approval.
- Independently critique and recommend / approve credit and rating proposals, in line with defined risk parameters, negotiated credit terms and documentation review.
- Dynamically manage a portfolio of asset classes and credit risk counterparties (often bespoke) in the global portfolio, understand the client by geography, industry, and structural differences.
Conduct periodic portfolio and transaction stress testing based off dominant rating agency methodologies.
- Pro-actively manage transactions ahead of credit deterioration (Early Alert Review) with detection through portfolio reviews, adhering to industry strategies, market monitoring, and lessons learned.

**Key Stakeholders**:

- Specialised Finance Risk and other Credit Officers.
- Risk Committees and Risk Management team.
- Credit Trading and Credit Analysts.
- Group Control functions.
- Internal Audit.
- Seasoned credit professional with 10 + years of experince in the structured credit markets of asset-backed financing in securitisation.
- Experience in warehouse, asset-based finance and traded asset backed securities, across geographies and asset type (ABS, CLO, RMBS).
- Able to manage credit risk appetite with early-stage deal screening, detailed due diligence, and timely execution of transactions with credit memo analysis and independently written Risk recommendations.
- Experience gained from an investment bank or a structured finance group of a major international organisation and a relevant degree from a top-tier university including associated professional qualifications.

**Role Specific Technical Competencies**
- CIB Credit Risk
- Manage Risk
- Product Knowledge
- Business Partnering
- Operational Risk

**About Standard Chartered**
- We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.- Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.- Together we:
- **Do the right thing** and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
- **Never settle,** continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
- **Are better together,** we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

**What we offer**

**In line with our Fair Pay Charter,** we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.- **Core bank funding for retirement savings, medical and life insurance,** with flexible and voluntary benefits available in some locations.
- **Time-off** including annual leave, parental/maternity (20 weeks), sabba