Commercial Credit Management Specialist SG

3-5 Years

Job Description

Key Responsibilities

JOB DESCRIPTION

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.)

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:

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:

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:

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:

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.