Senior Credit Evaluation Manager

RHB Singapore; Singapore; On-site; SGD 180,000 - 240,000; Full time

Job summary

RHB Singapore is seeking an experienced Credit Risk Evaluator to assess loan requests across CORP, IB, CB, FIG and PFS, ensuring NPL rates stay below 2% within 12 months and turnaround times are met.

You will review risk grades, approve within delegated authority, advise on overrides with justification, ensure MAS regulatory compliance, and participate in joint client visits and ad-hoc projects to support risk management.

Qualifications

• Degree / professional qualifications in Business, Accounting, Banking, Finance, Economics or other relevant disciplines.
• Minimum 15 years working experience in credit risk evaluation /analysis of corporate, SME and retail lending.
• Knowledge of MAS statutory requirements is required for retail lending (housing & commercial property loans).
• Possess strong credit writing and analytical skills in corporate /SME lending. Good communication and interpersonal skills.

Responsibilities

• Provide credit risk evaluation of credit applications submitted by the various business units and identify /address /mitigate all pertinent credit risk issues.
• Approve credit applications within ‘Delegated Lending Authority’ assigned or recommend to next higher approving level for approval in accordance with the DLA architecture set out.
• For credit applications submitted by CORP, IB, CB & FIG, to review the ‘credit risk grade’ generated and affirm or reject /override the credit grade with justification.
• For credit applications submitted by PFS, to ensure that the respective product parameters, credit guidelines and regulatory requirements are met or well mitigated.
• Evaluate and approve, reject or recommend operational and administrative requests of CORP, IB, CB, FIG & PFS customers such as variation of terms & conditions.
• Keep abreast of industry developments, market sentiments and the general business trend and their impact on our banking business.
• Ensure that credit applications submitted are in line with the Bank’s credit guidelines & policy, rules and regulations as laid down in the Bank’s circulars and operations manuals, regulatory requirements (MAS Notices and Circulars, Banking Act).
• Address issues raised by auditors and MAS relating to credit matters.
• Undertake ad-hoc projects and other duties assigned by Head of Credit Evaluation or Senior Credit Manager from time to time.
• Conduct joint customer visits with business units to better understand risks pertaining to their credit applications and provide them guidance on structuring of credit facilities.
• Assist in the day-to-day operations and administrative functions of the department.

Skills

Credit risk evaluation

Credit analysis

Credit writing

Communication skills

MAS knowledge

Education

Degree / professional qualifications

Job description

Primary Objective

To ensure recommendations and approvals for new and review loans result in no more than 2% of loans turning NPL within 12 months and approval turnaround time is met by:

• Conducting credit risk evaluation and approving /rejecting or recommending for approval, credit applications submitted by Corporate Banking (‘CORP’), Islamic Banking (IB), Commercial Banking (‘CB’), Financial Institutions Group (‘FIG’) and Personal Financial Services (‘PFS’)

Key Responsibilities

Evaluation

• Provide credit risk evaluation of credit applications submitted by the various business units and identify /address /mitigate all pertinent credit risk issues.
• Approve credit applications within ‘Delegated Lending Authority’ assigned or recommend to next higher approving level for approval in accordance with the DLA architecture set out.
• For credit applications submitted by CORP, IB, CB & FIG, to review the ‘credit risk grade’ generated and affirm or reject /override the credit grade with justification.
• For credit applications submitted by PFS, to ensure that the respective product parameters, credit guidelines and regulatory requirements are met or well mitigated.
• Evaluate and approve, reject or recommend operational and administrative requests of CORP, IB, CB, FIG & PFS customers such as variation of terms & conditions.
• Keep abreast of industry developments, market sentiments and the general business trend and their impact on our banking business.

Compliance

• Ensure that credit applications submitted are in line with the Bank’s credit guidelines & policy, rules and regulations as laid down in the Bank’s circulars and operations manuals, regulatory requirements (MAS Notices and Circulars, Banking Act).
• Address issues raised by auditors and MAS relating to credit matters.

Others

• Undertake ad-hoc projects and other duties assigned by Head of Credit Evaluation or Senior Credit Manager from time to time.
• Conduct joint customer visits with business units to better understand risks pertaining to their credit applications and provide them guidance on structuring of credit facilities.
• Assist in the day-to-day operations and administrative functions of the department.

Qualifications

Degree /professional qualifications in Business, Accounting, Banking, Finance, Economics or other relevant disciplines. Minimum 15 years working experience in credit risk evaluation /analysis of corporate, SME and retail lending. Knowledge of MAS statutory requirements is required for retail lending (i.e. housing & commercial property loans). Possess strong credit writing and analytical skills in corporate /SME lending. Good communication and interpersonal skills.