Senior Credit Risk & Advisory Specialist

Bank of China Limited Singapore Branch; Singapore; On-site; SGD 180,000 - 240,000; Full time

Job summary

Bank of China Limited Singapore Branch is seeking a senior credit evaluation professional to join our Private Banking team. You will review, evaluate and approve lending limits, assess collateral values, and balance risk and client needs in line with regulatory guidelines.

You will collaborate with Risk Management, support credit advisory, and help implement credit systems while maintaining the bank's risk controls and documentation standards.

Qualifications

• 8 to 10 years of credit evaluation experience within Private Banking industry.
• Good understanding of loan products, credit loan covenants and credit control functions.
• Able to develop, calibrate and validate credit models.
• Good knowledge on Microsoft Word, Excel, Access and PowerPoint.
• Good verbal and written communication skills in English and Chinese, as the role requires regular communication with Head Office

Responsibilities

• Review, evaluate and make credit decisions on granting lending limits and assigning collateral values aligned with regulatory guidelines, credit policies and risk appetite within the Bank.
• Support internal stakeholders for credit advisory and credit structuring to identify key risks and work out a risk balanced solution acceptable for clients and the Bank.
• Maintain close collaboration with Risk Management Department to reach a common and balance understanding of key credit risks and control practices.
• Implement adequate credit systems and tools to support the credit lending business.
• Ensure that the Bank's risk management framework, policies, procedures and guidelines remain effective in identifying the credit risk of Borrowers.
• Issue credit documentation, and monitor the risk controls for credit conditions per credit approvals.
• Prepare credit related reports and monitor credit violations for escalation to Management where required.
• Support Team Lead in adhoc tasks, audit inspection, operation risk control management and system enhancement projects in relation to credit management.

Skills

Credit evaluation experience

Loan products & covenants

Credit models development

Microsoft Office suite

Bilingual: English & Chinese

Tools

Word

Excel

Access

PowerPoint

Job description

Bank of China Limited Singapore Branch is seeking a senior credit evaluation professional to join our Private Banking team. You will review, evaluate and approve lending limits, assess collateral values, and balance risk and client needs in line with regulatory guidelines.

You will collaborate with Risk Management, support credit advisory, and help implement credit systems while maintaining the bank's risk controls and documentation standards.