AVP, Mortgage Credit Approver, Credit Risk Management

OCBC; Singapore; On-site; SGD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive salary

Comprehensive benefits

Community initiatives

Learning & development

Wellbeing & growth

Job summary

OCBC Bank in Singapore invites you to join its Credit Risk Team. This role focuses on applying sound credit judgement to consumer lending, mortgages and auto loans, while safeguarding portfolio quality.

You will analyse customer data, engage stakeholders and drive policy and process improvements to balance risk with growth, supporting sustainable business performance and customer outcomes. We value curiosity, disciplined thinking and strong communication as you navigate regulatory standards and

Qualifications

• Degree in a related field with 5+ years in consumer credit risk.
• Experience in portfolio management and data analytics is advantageous.
• Solid knowledge of consumer lending and credit documentation.
• Strong written and spoken communication skills.
• Proficient in Excel, Access and PowerPoint.

Responsibilities

• Drive digital transformation and process improvements using ADD.
• Review and approve consumer credit loan products, focusing on mortgages and auto loans.
• Ensure loans are approved with independent due diligence and regulatory adherence.
• Collaborate with stakeholders to streamline end-to-end processes and speed turnaround.
• Advise on credit policy changes to manage risks and support growth.

Skills

Credit risk assessment

Portfolio management

Data analytics

Stakeholder communication

Written communication

Education

Bachelor's degree

Tools

Microsoft Excel

Microsoft Access

Microsoft PowerPoint

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.

Why join

The Credit Risk Team provides an independent perspective that helps the organisation grow responsibly. This role offers the opportunity to apply your credit judgement to make sound and balanced lending decisions, supporting sustainable business growth while safeguarding portfolio quality and upholding strong credit standards and disciplined risk management.

How you succeed

You would succeed by being curious, open-minded and disciplined in assessing each credit situation. You would take time to understand the customer and business, look beyond the numbers and engage stakeholders to gain different perspectives. Combining these insights with sound credit judgement would help you make balanced decisions that manage risk appropriately while supporting good business opportunities.

What you do

• Drive digital transformation and process re-engineering initiatives through ADD, leveraging technology and automation to improve productivity, strengthen controls, and deliver business value.

• Review and approval of consumer credit loan products, mainly on mortgage and auto loans.

• Ensure loans are approved with independent due diligence, adhering to regulatory and credit guidelines

• Work closely with stakeholders to improve end-to-end processes to achieve faster turnaround and increase efficiency

• Engage stakeholders to drive policy changes to support business growth and provide recommendations on credit policies to ensure the key risks and controls are adequately addressed

Who you are

• Degree Holder with at least 5 years of relevant experience in consumer credit risk and/or exposure to consumer products
• Experience in portfolio management and data analytics will be an advantage
• Sound knowledge on consumer lending and credit documentation
• Possess good communication and writing skills
• Proficient in Microsoft Excel, Microsoft Access and Microsoft Powerpoint
• Team player, self-motivated and resourceful.

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.