Senior Credit Evaluation Manager

RHB Group; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

RHB Group is seeking an experienced credit risk professional to evaluate applications across corporate, commercial, and retail lending. You will ensure sound decisions aligned with MAS guidelines and internal credit policies, while maintaining portfolio integrity and supporting business units.

The role requires strong credit writing, analytical skills, and effective communication to navigate complex deals, provide recommended actions under the Delegated Lending Authority, and drive risk-aware

Qualifications

• Strong Credit Risk evaluation across corporate, SME, and retail lending.
• Excellent analytical, written communication, and report-writing skills.
• In-depth understanding of MAS guidelines and banking regulations.
• Ability to assess variations in terms and conditions and approvals within DLA.

Responsibilities

• Provide thorough credit risk evaluation of applications across business units.
• Approve credit within Delegated Lending Authority or escalate with recommendations.
• Review and validate credit risk grades for corporate and retail applications.
• Stay updated on industry trends and their impact on banking activities.
• Undertake ad-hoc projects and provide guidance on credit structuring.

Skills

Credit risk evaluation

Analytical skills

Communication skills

Regulatory compliance

Credit writing

Interpersonal skills

Education

Degree in Finance/Accounting/Banking

Job description

In this role, you will be responsible for evaluating credit applications across corporate, commercial, and retail segments, ensuring sound credit decisions aligned with regulatory and internal guidelines. You will play a key role in maintaining the integrity of our credit portfolio, supporting business units, and contributing to the overall risk management framework of the Bank.

What you will be doing

Evaluation

• Provide thorough credit risk evaluation of applications submitted by various business units, identifying and mitigating key risk issues.
• Approve credit applications within your Delegated Lending Authority (DLA) or escalated with recommendations as required.
• Review and validate credit risk grades for corporate and commercial applications; ensure product parameters and regulatory requirements are met for retail applications.
• Evaluate and decide on operational and administrative requests such as variations in terms and conditions.
• Stay updated on industry trends, market sentiments, and their implications on banking activities.

Compliance

• Ensure all credit applications comply with the Bank’s credit policies, internal guidelines, and regulatory requirements including MAS Notices and the Banking Act.
• Address and resolve issues raised by auditors and regulators related to credit matters.

Others

• Undertake ad-hoc projects and assignments from the Head of Credit Evaluation or Senior Credit Manager.
• Conduct joint customer visits with business units to gain deeper insights and provide guidance on credit structuring.
• Support the department’s daily operations and administrative functions.

What we're looking for

• Degree or professional qualifications in Business, Accounting, Banking, Finance, Economics, or related fields.
• Minimum 10 years of experience in credit risk evaluation or analysis across corporate, SME, and retail lending. Candidates with relevant credit risk qualifications and less experience may also be considered.
• Strong understanding of MAS statutory requirements, especially for retail lending.
• Excellent credit writing and analytical skills in corporate/SME lending.
• Effective communication and interpersonal skills.