Lead strategic planning and portfolio direction for CIBC SG, integrating business growth objectives with credit discipline, asset quality considerations, and risk appetite parameters.
Provide executive oversight of management information, performance dashboards, and analytics, ensuring risk ‑ adjusted metrics (e.g. RORC, EP, credit cost trends) are embedded into business decision ‑ making.
Analyse profitability at client, portfolio, and product levels, factoring in asset quality, covenant performance, and capital consumption to drive sustainable long ‑ term returns.
Oversee periodic and ad ‑ hoc portfolio stress testing, sensitivity analyses, and scenario assessments to assess resilience under adverse macro, sectoral, or idiosyncratic conditions.
Lead deep ‑ dive reviews on selected industries, large exposures, or risk themes, translating insights into tangible portfolio actions.
Monitor exception trends, documentation gaps, and covenant waivers, and recommend corrective measures to strengthen overall asset quality and governance.
Credit Governance and Credit Management and Covenant Oversight
Provide senior level review and challenge of all material credit submissions, including new to bank proposals, annual and interim reviews, restructurings, and enhancement requests.
Review credit analyses and credit memoranda prepared by Credit Analysts to ensure:
High analytical rigor, consistent application of credit policies, and robust downside and stress case assessment
Clear identification of structural weaknesses, covenant headroom, and exit strategies
Oversee covenant monitoring frameworks 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
Ensure adherence to agreed service level agreements (SLAs) with Business Units while maintaining independent credit judgement.
Manage credit costs, provisioning trends, and expected loss trajectories.
Manage risk‑return trade‑offs at both deal and portfolio levels.
Provide advice on deal structuring, pricing, collateralisation, tenor, and covenant design to enhance capital efficiency and reduce downside risk.
Support strategic decisions on restructurings, exits, write ‑ backs, or recoveries to optimise asset quality and long ‑ term portfolio outcomes.
Represent the business in deal pre ‑ screenings, Credit Committee, Management Committee, Audit Committee, and regulatory engagements to provide independent and balanced credit perspectives, where applicable.
Asset Quality Management (AQM) and Portfolio Stewardship
Own and oversee the Asset Quality Management (AQM) framework for CIBC SG, ensuring proactive identification, monitoring, and mitigation of deteriorating credits.
Chair or lead monthly portfolio and asset quality reviews, covering:
Rating migration trends
Covenant breaches and near breaches
Early warning indicators (EWI)
Industry or thematic risk concentrations
Institute and actively manage watchlist accounts across Low, Medium, and High risk categories by:
Defining clear escalation thresholds, action plans, and accountability
Driving timely credit actions, including increased monitoring, restructuring, or exit where appropriate
Ensure problem accounts and higher risk exposures are actively managed in coordination with Business, Risk, Legal, and Recovery teams.
Job Requirements
Bachelor's or Master's Degree or any related disciplines ( Accounting/ Finance/ Financial Analysis/ Economics/ Business) or equivalent professional qualification
At least 15 years of experience in finance/ banking, particularly in business management, credit management, risk management or related functions.
Minimally 5 years of leadership experience heading a unit or team.
Deep understanding of corporate credit, banking products, and structured financing.
Strong risk judgement.
Strategic, portfolio ‑ level thinking.
High familiarity with the credit environment.
Strong credit risk analysis and modelling.
Strong in portfolio and concentration risk management.
Strong understanding of regulatory risk and compliance.
Strong understanding in credit governance frameworks.
Good understanding of banking and financial instruments/ products.
