Job Description

Company Description
RHB Singapore is a progressive and growing financial organization. We are committed to creating a fulfilling, dynamic and engaging work environment for our team of more than 15,000 employees across nine locations in ASEAN, China and Hong Kong.


Primary Objective To ensure recommendations and approvals for new and review loans result in no more than 2% of loans turning NPL within 12 months and approval turnaround time is met by:

• Conducting credit risk evaluation and approving /rejecting or recommending for approval, credit applications submitted by Corporate Banking (\xe2\x80\x98CORP\xe2\x80\x99), Islamic Banking (IB), Commercial Banking (\xe2\x80\x98CB\xe2\x80\x99), Financial Institutions Group (\xe2\x80\x98FIG\xe2\x80\x99) and Personal Financial Services (\xe2\x80\x98PFS\xe2\x80\x99)

Key Responsibilities Evaluation

• Provide credit risk evaluation of credit applications submitted by the various business units and identify / address / mitigate all pertinent credit risk issues.
• Approve credit applications within \xe2\x80\x98Delegated Lending Authority\xe2\x80\x99 assigned or recommend to next higher approving level for approval in accordance with the DLA architecture set out.
• For credit applications submitted by CORP, IB, CB & FIG, to review the \xe2\x80\x98credit risk grade\xe2\x80\x99 generated and affirm or reject / override the credit grade with justification.
• For credit applications submitted by PFS, to ensure that the respective product parameters, credit guidelines and regulatory requirements are met or well mitigated.
• Evaluate and approve, reject or recommend operational and administrative requests of CORP, IB, CB, FIG & PFS customers such as variation of terms & conditions.
• Keep abreast of industry developments, market sentiments and the general business trend and their impact on our banking business.

Compliance

• Ensure that credit applications submitted are in line with the Bank\xe2\x80\x99s credit guidelines & policy, rules and regulations as laid down in the Bank\xe2\x80\x99s circulars and operations manuals, regulatory requirements (MAS Notices and Circulars, Banking Act).
• Address issues raised by auditors and MAS relating to credit matters.

Others

• Undertake ad-hoc projects and other duties assigned by Head of Credit Evaluation from time to time.
• Conduct joint customer visits with business units to better understand risks pertaining to their credit applications and provide them guidance on structuring of credit facilities.
• Assist in the day-to-day operations and administrative functions of the department.

Qualifications
Formal Education

• Degree /professional qualifications in Business, Accounting, Banking, Finance, Economics or other relevant disciplines

Preferred level of Experience (by years/function/industry)

• Degree /professional qualifications in Business, Accounting, Banking, Finance, Economics or other relevant disciplines.
• Minimum 5 years working experience in credit risk evaluation /analysis of corporate, SME and retail lending. Knowledge of MAS statutory requirements is required for retail lending (i.e. housing & commercial property loans).
• Possess strong credit writing and analytical skills in corporate /SME lending.

Other skills required

• Good communication and interpersonal skills.

Additional Information
RHB is a dynamic organization that promotes a work culture of high performance, where its biggest asset, the RHB-ians, are continuously developed & nurtured to their fullest potential through its robust talent management practices.
At RHB, we take PRIDE in our people and our teams. Great relationships built on trust, a \xe2\x80\x98leading it right\xe2\x80\x99environment, challenging assignments and a culture of excellence are the pillars to the dynamic and diversified workplace we call home.