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 professional to evaluate complex credit applications across corporate, SME and retail lending. You will apply rigorous risk assessment, write succinct credit notes and support decisioning within your delegated authority.

The role requires deep knowledge of MAS guidelines, strong analytical and communication skills, and the ability to work with business units to structure credit solutions that meet regulatory requirements.

Qualifications

• Degree or professional qualifications in Business, Accounting, Banking, Finance, Economics, or related fields.
• Minimum 15 years of experience in credit risk evaluation or analysis across corporate, SME, and retail lending.
• 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.

Responsibilities

• 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 escalate 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.

Skills

Credit risk

Credit analysis

Regulatory compliance

Analytical writing

Communication

Education

Degree in Business

Job description

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 escalate 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 15 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.