SME Credit Underwriter, Business Banking

Job Description

Reporting to the Senior Credit Underwriter & Approval Lead (SME), this role is responsible for the end-to-end credit assessment and sanctioning of complex SME transactions. You will focus on performing deep-dive credit reviews, structuring facilities, and identifying early warning signals within the SME portfolio.

Job Responsibilities

• Credit Assessment: Perform high-quality, end-to-end credit assessments for complex SME transactions, ensuring they align with the bank's risk appetite.

• Portfolio Monitoring: Conduct deep-dive credit reviews of individual high-value obligors to identify early warning signals and potential risks.

• Facility Structuring: Negotiate and structure credit facilities with Business Units to achieve an optimal balance between risk and reward.

• Risk Mitigation: Support the optimization of the NPL rate, approval rate, and customer experience trade-offs.

• Collaborative Modeling: Work with the Models Development team to provide business insights for the development and refinement of SME credit models.

• New Product Support: Assist the SME business function in assessing the risks of new products, programs, and test initiatives.

• Reporting & Compliance: Maintain awareness of the Singapore regulatory landscape and assist in regulatory or business stress tests.

• Thematic Reviews: Conduct independent or thematic reviews of the SME portfolio as required.

Requirements

• Experience: 5-10 years of experience in the Singapore Micro and Small Enterprises space, specifically focusing on companies with SGD 1M-100M turnover.

• Underwriting Track Record: Proven experience in underwriting cases and exercising a Delegated Lending Authority (DLA) in the Singapore SME banking space.

• Decision Making: Demonstrated ability to make independent credit decisions and defend risk positions to senior management or credit committees.

• Product Knowledge: Strong understanding of SME products, including Invoice, Purchase Order, Hire Purchase, and Property-backed financing.

• Technical Literacy: Experience with risk identification, risk models, and ideally exposure to ML/Artificial Intelligence models.

• Market Insight: Good understanding of the Singapore economy and current economic trends impacting local SMEs.

• Education: Tertiary degree in a related field a degree in a quantitative field is an added advantage.