About the Bank:
We are a growing regional digital bank group and are revolutionizing financial banking services across Southeast Asia. Our mission is to unlock big dreams and drive financial inclusion throughout the region. As a regional digital bank, we have the right foundationdata, technology, and trustbecause we are
Built With Heart. We believe that real impact starts with real people. If you're ready to
Own The Mission and help us shape the future of Digital banking, we invite you to join us.
Job Description
Reporting to the Senior Credit Underwriter & Approval Lead (SME), this role is responsible for the end-to-end credit assessment 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: 510 years of experience in the Singapore Micro and Small Enterprises space, specifically focusing on companies with SGD 1M100M 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.
- Soft Skills: Strong communication and presentation skills, with the gravitas to challenge decisions made by stakeholders when necessary.
