Risk Officer (Credit Risk and KYC)

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

Job summary

Our client bank in Singapore seeks a Risk Officer to support risk management and governance for the Branch. The role covers credit risk monitoring, portfolio analysis, KYC reviews, management reporting, and coordination with Head Office.

Responsibilities include risk reporting, committee secretariat duties, information requests, and ongoing portfolio risk oversight. The incumbent will participate in project finance risk reviews and contribute to process improvements.

Responsibilities

• Credit risk monitoring and portfolio management for branch risk.
• KYC and customer due diligence review with independent verification.
• Management reporting and Head Office liaison including committee secretariat.
• Risk analysis, stress testing and reporting for informed decision-making.
• Other duties or projects as directed by GM and Risk Manager.

Job description

Our client is a bank operating in Singapore and is seeking a Risk Officer to support the Branch's risk management and governance functions.

The role covers credit risk monitoring, portfolio analysis, KYC reviews, management reporting, and coordination with Head Office.

Responsibilities

1. Credit Risk Monitoring and Portfolio Management

• Monitor the Branch's credit portfolio and identify emerging credit risks.
• Conduct portfolio analysis and prepare periodic credit risk reports.
• Perform annual credit reviews, credit grading assessments, 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.
• Conduct stress testing and scenario analysis to assess portfolio resilience.
• Assist Branch Management in monitoring asset quality and portfolio concentration risks.

2. KYC and Customer Due Diligence Review

• Review KYC and customer due diligence documentation prepared by business units.
• Conduct independent verification and risk-based assessments 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.

3. Management Reporting and Head Office Liaison

• Prepare risk management reports for Branch Management, Head Office, and regulatory authorities.
• Act as secretary to the Branch Credit Risk Committee, including preparing meeting materials and recording meeting 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.

4. Risk Analysis and Reporting

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

5. Other Responsibilities

• Perform 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.