Corporate Banking Credit Risk Management - VP

OCBC Group; Kuala Lumpur; Hybrid; MYR 180,000 - 300,000; Full time

Benefits offered by this job

Competitive base salary

Flexible benefits

Professional development

Job summary

OCBC Group in Kuala Lumpur seeks a Credit Risk professional to lead credit decisions and collaborate with business units on structuring facilities. The role involves monitoring portfolio risk, defining criteria, and supporting risk strategies across the bank.

The position offers opportunities to participate in NPAP/NPAC processes and contribute to enterprise credit governance within a regional bank.

Responsibilities

• Provide credit decision/approval of credit propositions, credit reviews, temporary excesses and transaction exceptions within authorised lending authority limit.
• Engage with business units on opportunities and provide guidance on structuring facilities.
• Identify early warning signs and initiate remedial actions for deteriorating credits.
• Work with BU to define, review and enhance Target Market and Risk Acceptance Criteria.
• Perform targeted portfolio reviews and formulate action plans to mitigate risks.
• Collaborate with business heads to improve credit lending and approval processes; coach others.
• Participate in Early Action Committee and MY Wholesale Ratings Technical Committee.
• Act as Credit Functional specialist for New Product Approval Process (NPAP).
• Attend and approve new products submitted to NPAC as delegated by CRO.
• Sign-off and endorse for FI/NBFI/Sovereign/trading credits prior to submission to FICRM Singapore.
• Oversee empanelment of valuers and annual performance reviews; approve EF empanelment for CFS and EMB where RAC is failed.

Job description

WHO WE ARE

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires. Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future. We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here.

Job Responsibilities

• 1. Provide credit decision/ approval of credit propositions, credit reviews, temporary excesses and transaction exceptions within authorised lending authority limit.
• 2. Engage with business units on potential opportunities including joint calls and site visits where necessary and providing guidance and advice on structuring facilities.
• 3. Work closely with business units to timely identify early warning signs and initiate appropriate remedial actions for deteriorating credits.
• 4. Work with BU to define, review and enhance Target Market and Risk Acceptance Criteria.
• 5. Perform targeted portfolio reviews in response to events/developments that may have an adverse impact on overall credit quality and to formulate action plans to minimize/manage risks identified.
• 6. Together with business heads, to be actively involved in formulating business and risk strategies, to improve credit lending & approval process and provide coaching/guidance whenever required to the other business and risk credit officers.
• 7. Early Action Committee/MY Wholesale Ratings Technical Committee.
• 8. Credit Functional specialist for New Product Approval Process (NPAP).
• 9. Attend and approve new products submitted to New Product Approval Committee (NPAC) as delegated by CRO.
• 10. Local sign-off and endorsement for all FI/NBFI/Sovereign/trading credits prior to submission to FICRM S’pore.
• 11. Approver for empanelment of valuers and annual performance review.
• 12. Evaluation and approval of EF empanelment for CFS and EMB whereby developer fails the RAC.

What we offer

• Competitive base salary.
• A suite of holistic, flexible benefits to suit every lifestyle.
• Community initiatives.
• Industry-leading learning and professional development opportunities.
• Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.
• Let’s build the bank we need for the future we want.
• Find the best version of yourself in a friendly, supportive team.
• Build lasting value in your community.
• Help people grow their assets, business, and investments.
• Take your learning as far as you can.
• Or simply enjoy a vibrant, future-ready career.
• Your Opportunity Starts Here.

About the Company

As the longest established Singapore bank, formed in 1932 from the merger of three local banks, we have grown from strength to strength to become a regional financial services group. With a deep history in Asia, we offer the most comprehensive coverage across ASEAN and Greater China, complemented with a presence in the leading economies of New York, London and Sydney. We are the second largest financial services group in Southeast Asia by assets with one of the world’s highest credit rating (Aa1 by Moody’s and AA- by both Fitch and S&P). We offer private banking services through our wholly-owned subsidiary, Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals. Our insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia.