Credit Management Senior Specialist - CIBC SG

10-12 Years

Job Description

Key Responsibilities

JOB DESCRIPTION

Credit Analysis, Deal Support and Covenant Monitoring

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.
Perform covenant monitoring to ensure:

Timely tracking and reporting of financial and non-financial covenants
Early escalation of potential or actual breaches
Effective remediation actions, waivers, or restructuring strategies where required

Asset Quality Management (AQM), 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.
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.

Controls and Governance

Ensure all credit submissions comply with the Bank's credit policies and guidelines, sector limits, approval authorities and regulatory requirements.
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 10 years of relevant experience in credit analysis, banking risk management, corporate banking.
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.