Commercial Credit Management Specialist SG

Key Responsibilities:

Credit Analysis and Deal Support 

• Prepare and conduct comprehensive credit submissions, including but not limited to:
  • New-to-Bank credit proposals
  • Credit renewals and annual reviews
  • Interim/ad-hoc reviews
  • Facility enhancements and amendments
  • Pre-screening papers (e.g., financial analysis, cash flow projections, key risks and mitigations, etc.)
• Perform detailed analysis of:
  • Financial performance and cash flow sustainability
  • Business model, management capability and ownership structure
  • Industry, market and macroeconomic risks
  • Sources of repayment, collateral and security structure
• Articulate clear credit recommendations aligned with risk appetite and business strategy.
• Work closely with RMs to ensure complete and timely client information and documentation. 
• Liaise with Credit Approvers, Credit Risk, Portfolio Management and Credit Administration to facilitate smooth credit approval and documentation processes; and respond to queries arising from credit submissions.

Portfolio Management and Risk Monitoring

• Maintain up‑to‑date financials, internal ratings and credit information for assigned accounts.
• Monitor compliance with covenants, risk triggers and conditions precedent.
• Monitor portfolio asset quality trends, including:
  • Delinquencies and Days‑Past‑Due (DPD)
  • Early Warning Indicators (EWI)
  • Covenant breaches and risk trigger events
  • Adverse news and credit events
• Prepare and maintain EWI dashboards and reporting packs.
• Prepare Early Warning Indicator (EWI) memos or presentations where deterioration is identified.
• Support stress testing exercises and scenario analysis on portfolio exposures.
• Escalate emerging credit concerns proactively to RMs and relevant risk stakeholders.
• Design and maintain portfolio risk appetite and concentration triggers, including: 
  • Industry and sector exposure
  • Obligor Risk Rating (ORR)
  • Unsecured and clean exposure limits
  • Risk weighted assets, collateral coverage and RAROC
  • Bullet and balloon loan concentration
• Identify high risk segments and propose actions, e.g., exposure capping, limit reduction, collateralisation, exit strategies, etc. 
• Review exposure concentration for top obligor groups, high risk sectors, large network and Singapore centric names
• Support tail risk management of weak or deteriorating accounts.
• Conduct regular and ad hoc portfolio stress testing, including: 
  • Thematic stress tests
  • Trigger based and scenario driven reviews
  • Branch approved credit reviews where applicable
• Analyse portfolio trends and emerging systemic risks. 
• Share credit intelligence, sector insights and market developments relevant to portfolio risk.
• Provide portfolio‑driven guidance on drawdowns for clean facilities under heightened monitoring, utilisation patterns and abnormal movements. 

Controls and Governance

• Ensure all credit submissions comply with the Bank’s credit policies and guidelines, sector limits, approval authorities and regulatory requirements.
• Coordinate and prepare portfolio level reporting, including: 
  • Monthly Asset Quality (AQ) sessions (Country and Group)
  • MAS 612 and other regulatory submissions
• Manage credit‑related audit queries and remediation actions for assigned accounts.
• Prepare rectification or exception memos for covenant breaches or non‑compliance, where required.

Requirements:

• Bachelor’s or Master's Degree or any related disciplines (Accounting/ Finance/ Business/ Economics) or equivalent professional qualification
• At least 3 years of relevant experience in credit analysis, credit risk, non-retail banking risk management
• Strong financial analysis and cash flow assessment skills.
• Solid understanding of credit risk principles and lending structures.
• Good working knowledge of banking credit policies and regulatory requirements.
• Ability to assess risks across different industries and business models.
• Strong written and verbal communication skills.
• Ability to partner effectively with business stakeholders.
• Sound judgement and risk awareness.
• Ability to manage multiple deadlines in a deal‑driven environment.