As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.
Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.
We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.
Your Opportunity Starts Here.
This is the broad job description of the job profile. Definitive job description should be reviewed and discussed between you and your manager.
Credit Risk Manager
What you do
Your day-to-day responsibilities will include:
• Review and assess Credit Proposals / Credit Reviews / Credit Memos and other credit applications for corporate and commercial borrowers.
• Conduct independent credit analysis on borrowers, guarantors, security structures, industry outlook, financial performance, cash flow generation and repayment capacity.
• Evaluate key credit risks and assess the adequacy of risk mitigants proposed by Business Units.
• Verify the appropriateness of customer segmentation, industry classification, credit grading and internal rating assessments performed by Business Units.
• Review compliance with the Bank's Credit Policies, Target Market (TM), Risk Acceptance Criteria (RAC), regulatory requirements and internal guidelines.
• Review ESG risk assessments and ensure that the proposed ESG risk rating is appropriate and adequately supported.
• Independently review AML/CFT/KYC-related information and identify any material concerns that may affect credit decisions.
• Ensure that the Bank's exposure remains within approved internal, regulatory and concentration limits.
• Exercise delegated lending authority to approve, decline, recommend or escalate credit applications as appropriate.
• Participate in annual reviews, portfolio reviews, watchlist monitoring and problem credit discussions where required.
• Independently review covenant compliance and approval condition fulfilment where applicable.
• Provide credit advice and feedback to Business Units on structure, risk mitigation and policy interpretation.
• Support the implementation of credit policy enhancements, regulatory changes, system enhancements and other departmental initiatives.
• Perform ad hoc assignments and projects as assigned by Team Head and Department Head
Who you are
• Bachelor’s degree or above, preferably in Accounting, Finance, Banking, Business Administration or related disciplines
• Minimum 8 years of experience in corporate banking, credit analysis, credit risk management or wholesale lending, with substantial experience in independent credit assessment
• Strong financial analysis and credit assessment skills.
• Proficient in Microsoft Office applications including Excel, Word and PowerPoint.
• Good understanding of financial statements and credit risk fundamentals.
• Strong analytical and report writing skills.
• Good command of English and Chinese (written and spoken)
Who we are
As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.
Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation.
But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.
We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here.
What we offer
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Equal opportunity. Fair employment. Selection based on ability and fit with our culture and values. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.
Skills Required
- Bachelor's degree or above, preferably in Accounting, Finance, Banking, Business Administration, or a related discipline
- Minimum 8 years of experience in corporate banking, credit analysis, credit risk management, or wholesale lending
- Substantial experience in independent credit assessment
- Strong financial analysis and credit assessment skills
- Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint
- Good understanding of financial statements and credit risk fundamentals
- Strong analytical and report-writing skills
- Good command of written and spoken English and Chinese
What We Do
OCBC is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. It is now the second largest financial services group in Southeast Asia by assets and one of the world’s most highly-rated banks, with an Aa1 rating from Moody’s. Recognised for its financial strength and stability, OCBC is consistently ranked among the World’s Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker. OCBC and its subsidiaries offer a broad array of commercial banking, specialist financial and wealth management services, ranging from consumer, corporate, investment, private and transaction banking to treasury, insurance, asset management and stockbroking services. OCBC’s key markets are Singapore, Malaysia, Indonesia and Greater China. It has more than 570 branches and representative offices in 19 countries and regions. These include about 300 branches and offices in Indonesia under subsidiary Bank OCBC NISP, and over 90 branches and offices in Mainland China, Hong Kong SAR and Macau SAR under OCBC Wing Hang. OCBC’s private banking services are provided by its wholly-owned subsidiary Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals. OCBC's insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia. Its asset management subsidiary, Lion Global Investors, is one of the largest private sector asset management companies in Southeast Asia.
.png)
