Senior Credit Evaluation Manager

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

Job summary

RHB Bank Singapore is seeking a senior Credit Evaluation professional to assess and approve or recommend corporate, Islamic, commercial, FIG, and personal banking credit applications. You will evaluate risk, ensure compliance with MAS regulations, and guide term variations for clients.

Responsibilities include reviewing credit grades, applying the Delegated Lending Authority, and supporting day-to-day department operations, with a focus on mitigating default risk to meet approval turnaround

Qualifications

• Degree or professional qualification in Business, Accounting, Banking, Finance, Economics or related discipline.
• Strong credit writing and analytical skills in corporate/SME lending.
• MAS statutory requirements knowledge for retail lending (housing & property loans).

Responsibilities

• Provide credit risk evaluation of applications from CORP, IB, CB, FIG & PFS units.
• Approve or reject within Delegated Lending Authority or recommend for higher approval.
• Review credit risk grades for CORP/IB/CB/FIG and justify overrides.
• Ensure product parameters and regulatory requirements are met for PFS credit requests.
• Evaluate and approve or recommend variations of terms & conditions for clients.
• Keep abreast of industry developments and market trends impacting banking business.
• Conduct joint customer visits to understand risks and guide facility structuring.
• Assist in day-to-day operations and department administration.

Skills

Credit risk evaluation

Analytical skills

Communication skills

Interpersonal skills

Education

Degree / professional qualifications in Business, Accounting, Banking, Finance, Economics

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.