Risk Officer (Bank)- KV

PASONA SINGAPORE PTE. LTD.; Singapore; On-site; SGD 34,000 - 40,000; Full time

Job summary

PASONA SINGAPORE PTE. LTD. is seeking a Risk Officer (Bank) to monitor credit portfolios, perform risk analyses, and support KYC/AML reviews. The role involves coordinating with Head Office and Branch Management to ensure risk controls and compliance are maintained across lending activities.

The position requires experience in banking risk, with strong analytical and communication skills, and proficiency in Excel and PowerPoint. A monthly salary starts at S$3,300 or more.

Qualifications

• Degree or Diploma in Banking & Finance or equivalent.
• 2-5 years of relevant experience in banking, financial services, risk management, credit analysis, KYC/AML, audit, or related functions.

Responsibilities

• Monitor the Branch's credit portfolio and identify emerging risks.
• Conduct portfolio analysis and prepare periodic credit risk reports.
• Perform annual reviews, credit grading reviews, and covenant management activities.
• Monitor covenant compliance and support follow-up actions, including waiver requests and breach management.
• Support the monitoring and ongoing administration of project finance and other lending transactions.

Skills

Analytical ability

Communication

Coordination

Education

Degree or Diploma in Banking & Finance

Tools

Microsoft Excel

PowerPoint

Report writing

Job description

osition: Risk Officer (Bank) (Job ID: 20468)

Raffles Place

Basic + VB

Credit Risk Monitoring and Portfolio Management

• Monitor the Branch's credit portfolio and identify emerging risks.
• Conduct portfolio analysis and prepare periodic credit risk reports.
• Perform annual reviews, credit grading reviews, and covenant management activities.
• Monitor covenant compliance and support follow-up actions, including waiver requests and breach management.
• Support the monitoring and ongoing administration of project finance and other lending transactions.
• Perform stress testing and scenario analysis to assess portfolio resilience.
• Assist Branch Management in monitoring asset quality and concentration risk.

KYC and Customer Due Diligence Review

• Review KYC and customer due diligence documentation prepared by business units.
• Conduct independent verification and risk-based assessment of customer profiles.
• Identify potential AML/CFT concerns and elevate issues where appropriate.
• Support periodic KYC reviews and customer onboarding processes.
• Coordinate with the Compliance Manager on KYC-related matters.
• Act as a checker for KYC reviews, with final approval and oversight provided by the Compliance Manager.

Management Reporting and Head Office Liaison

• Prepare risk management reports for Branch Management, Head Office, and regulatory authorities.
• Act as secretary for the Branch Credit Risk Committee, including preparation of meeting materials and minutes.
• Coordinate and respond to information requests from Head Office and relevant stakeholders.
• Support information gathering, analysis, documentation, and coordination with Head Office in relation to project finance and other credit transactions.

Risk Analysis and Stress Testing

• Support the maintenance and enhancement of portfolio monitoring tools and risk metrics.
• Conduct stress testing and scenario analyses and prepare related reports.
• Analyze portfolio trends and provide management information to support decision-making.

Other Responsibilities

• Perform any other duties, projects, or assignments as directed by the General Manager and Risk Manager.
• Support ad hoc initiatives, management projects, and process improvement activities as required.

Job Requirements:

• Degree or Diploma in Banking & Finance or equivalent
• 2-5 years of relevant experience in banking, financial services, risk management, credit analysis, KYC/AML, audit, or related functions.
• Basic understanding of corporate lending, credit risk, and financial statement analysis.
• Strong analytical, communication, and coordination skills.
• Ability to manage multiple responsibilities simultaneously.
• Proficiency in Microsoft Excel, PowerPoint, and report preparation.
• Japan language capability would be an advantage to read report in Japan language

with a fixed monthly salary of S$3,300 and above.