Credit Approver (Digital Bank/Mortgage Loan) (ID: 657904)

PERSOLKELLY Singapore Pte Ltd (Formerly Kelly Services Singapore Pte Ltd); Singapore; On-site; SGD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a seasoned credit professional with over a decade of experience in banking or finance. This role involves leading the enhancement of credit underwriting standards, evaluating transactions, and ensuring compliance with regulatory requirements. You will also coach junior staff and support the development of new credit products. If you are motivated, meticulous, and possess strong analytical skills, this opportunity offers you the chance to make a significant impact in a collaborative environment while working with diverse stakeholders.

Qualifications

• Minimum 10 years of credit experience in banking or finance.
• Proficient in English and preferably in Mandarin or Southeast Asian languages.

Responsibilities

• Lead and enhance credit underwriting standards and processes.
• Evaluate and approve transactions within delegated authority.

Skills

Credit underwriting

Analytical skills

Problem-solving

Inter-personal skills

Communication skills

Team collaboration

Meticulousness

Education

Degree in risk management

Tools

MS Office

Job description

Responsibilities

• Lead and enhance the credit underwriting standards and process.

• Evaluate and approve transactions that are within delegated authority and recommend transactions that are more than the delegated authority for approval at higher levels.

• Ensure credit decisions are sound and reflect the Bank's credit underwriting standards, policies, risk appetite, and meet local regulatory requirements.

• Lead and enhance early warning framework for pre-emptive actions on vulnerable accounts.

• Conduct portfolio monitoring to initiate portfolio action on accounts displaying early warning signals.

• Lead study on lessons learnt on non-performing loans or first payment default accounts.

• Support conceptualization development for new credit products suitable for the markets.

• Provide user requirements on credit underwriting or review process in Loan Origination System.

• Provide secretariat support for the Credit Risk Management Committee meeting.

• Coach junior credit approvers and analysts.

Requirements

• Minimum 10 years of credit experience in the banking or financial industry.

• Preferably possess the following complementary work experience in Credit underwriting, Restructuring, Program lending.

• Degree holder, preferably in risk management discipline.

• Good inter-personal, communication & writing skills.

• Meticulous with strong analytical and problem-solving skills.

• Motivated and collaborative team player with ability to consider the broader picture.

• Proficient in English and preferably in Mandarin or South East Asia language to communicate with our Mandarin/South East Asian speaking stakeholders.

• Proficient in computer applications (MS Office).