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.