Director, Credit Risk - Corporate & Institutional Banking

revup consulting; Singapore; On-site; SGD 180,000 - 260,000; Full time

Job summary

An established international bank in Singapore seeks a highly experienced credit risk professional to join its management team. The role encompasses independent credit assessment, transaction review, portfolio oversight and governance across corporate and institutional banking.

The successful candidate will guide senior business leaders and regional stakeholders, providing balanced risk perspectives on lending proposals and portfolio performance.

Qualifications

• A seasoned credit professional with strong underwriting judgement.
• Experience in independent credit assessment, approval and portfolio risk management.
• Proven ability to guide junior risk staff and analysts.

Responsibilities

• Conduct independent assessments of corporate and institutional credit proposals.
• Review borrowers' financial performance, business models and repayment capacity.
• Evaluate lending structures, terms, collateral and risk mitigants.
• Formulate clear credit recommendations and support governance decisions.
• Challenge transaction assumptions while balancing commercial objectives.
• Review renewals, amendments and higher-risk exposures.
• Monitor portfolio quality and provide risk insights to management.
• Support portfolio reviews, stress tests and risk reporting.

Skills

Underwriting judgement

Commercial awareness

Credit risk governance

Leadership/mentoring

Financial analysis

Stakeholder management

English and Chinese proficiency

Education

Degree in Finance/Accounting/Economics/Business

Job description

An established international bank is seeking a highly experienced credit risk professional to join its Singapore management team.

This is a senior appointment with broad responsibility for independent credit assessment, transaction review, portfolio oversight and credit governance across corporate and institutional banking. The successful candidate will work closely with senior business leaders and regional stakeholders, providing balanced risk perspectives on lending proposals and the overall portfolio.

The role will suit a seasoned credit professional who combines strong underwriting judgement with commercial awareness and the ability to guide less-experienced members of the credit team.

Key Responsibilities:

Credit Assessment and Decision Support

• Conduct independent assessments of corporate and institutional credit proposals.
• Review borrowers’ financial performance, business models, repayment capacity and key risk factors.
• Evaluate proposed lending structures, facility terms, collateral packages, covenants and risk-mitigation measures.
• Formulate clear credit recommendations and support approval decisions within the bank’s established governance framework.
• Challenge transaction assumptions constructively while maintaining a balanced understanding of commercial objectives.
• Review credit renewals, amendments, exceptions and higher-risk transactions.
• Ensure credit submissions are well supported, clearly documented and appropriately structured.
• Monitor the quality and performance of the corporate credit portfolio.
• Identify emerging risks, sector concentrations, deteriorating credits and potential early-warning signals.
• Review internal credit ratings, watchlist classifications and recommended risk actions.
• Work with business and risk stakeholders on remedial strategies for vulnerable or stressed exposures.
• Provide portfolio-level insights and recommendations to senior management.
• Support periodic portfolio reviews, stress assessments and risk reporting.

Credit Governance

• Promote disciplined and consistent credit underwriting standards across the business.
• Ensure credit activities comply with applicable regulatory requirements and internal risk policies.
• Review policy exceptions and recommend appropriate conditions, controls or escalation.
• Contribute to the enhancement of credit policies, approval processes, rating methodologies and monitoring practices.
• Support regulatory reviews, internal audits and other credit-related governance exercises.
• Participate in strategic risk initiatives and management projects when required.

Leadership and Stakeholder Management

• Provide guidance and mentorship to credit approvers and analysts.
• Strengthen the team’s capabilities in financial analysis, transaction structuring and credit judgement.
• Work closely with Relationship Managers and product teams while maintaining independent risk oversight.
• Communicate complex credit issues clearly to senior management and regional stakeholders.
• Foster a constructive risk culture that supports sound and sustainable business growth.

Candidate Profile

• Around 20 years of relevant experience across corporate credit risk, institutional lending, commercial banking or related areas.
• Significant experience in independent credit assessment, approval, underwriting or portfolio risk management.
• Strong understanding of corporate lending products, transaction structures, collateral, covenants and credit-risk mitigation.
• Advanced financial-statement analysis and financial-modelling capabilities.
• Sound knowledge of internal credit-rating methodologies, regulatory expectations and banking risk-management practices.
• Proven ability to evaluate complex or sizeable corporate and institutional exposures.
• Able to provide commercially balanced but independent risk perspectives to business stakeholders.
• Experience mentoring or developing credit analysts and junior approvers.
• Strong written communication, presentation and stakeholder-management skills.
• Proficiency in English and Chinese is required to communicate effectively with regional stakeholders and review relevant business materials.
• Degree in Finance, Accounting, Economics, Business or a related discipline. Relevant professional qualifications would be advantageous.

Why Consider This Opportunity?

• Take on a senior and influential role within the bank’s credit-risk function.
• Gain broad oversight of a corporate and institutional credit portfolio.
• Work directly with senior business, risk and regional stakeholders.
• Contribute to important credit decisions, portfolio strategy and governance initiatives.
• Mentor the next generation of credit-risk professionals.