Senior Credit Manager (Structured Trade Finance)

Responsibilities

• Managing credit risks related to the Bank's Structured Trade Finance and Corporate Lending Portfolio.
• Independently assess trade finance credit proposals covering the full product suite.
• Evaluate counterparty creditworthiness, trade flow rationale, commercial substance of underlying transactions, repayment sources, facility structure, covenants, security coverage and risk-adjusted pricing.
• Provide an independent risk opinion on credit proposal prior to approval, and review assumptions whether transaction economics or risk-return are adequately justified.
• Monitor trade finance exposures on an ongoing basis.
• Ensure trade finance activities comply with applicable MAS requirements.
• Prepare high-quality written credit assessments (identifying key risks and mitigating factors) and submit clear recommendations with justifications to the approving authorities.
• Examine financial statements, financial spreading, cashflow projections, and complex trade finance structures.
• Review Rating Model inputs to ensure consistency of application, accuracy and appropriateness, including transaction-specific risk factors.
• Ensure credit exposure complies with the Bank's pre-determined policies, sector limits, and trade finance risk appetite.
• Conduct periodic Credit Policy Reviews, Sector Reviews (including commodities), and Thematic Stress Tests (e.g. price volatility, counterparty exposures).
• Monitor developments on Watchlist accounts and related Expected Credit Loss.
• Identify early warning signals such as market volatility, counterparty risk, and structural weakness, and recommend appropriate remedial actions. Monitor deterioration in trade transaction performance and collateral shortfalls.
• Perform other central functions of the Credit Risk Management Team, such as portfolio data analytics, and special projects (e.g. system enhancements, dashboard development).

Requirements

• Recognised university degree with 10 to 15 years of relevant trade finance banking experience.
• Pronounced conceptual and analytical skills, particularly in structured lending and collateral-based financing.
• Good communication, writing and presentation skills will be essential requisites for this role.