Job Description

Company DescriptionRHB 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 locations in ASEAN.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 \'Delegated Lending Authority\' 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 \'credit risk grade\' 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\'s credit guidelines & policy, rules and regulations as laid down in the Bank\'s 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 or Senior Credit Manager 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.

QualificationsRequirements:

• Degree /professional qualifications in Business, Accounting, Banking, Finance, Economics or other relevant disciplines.
• Minimum 10 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.
• Good communication and interpersonal skills.

Additional InformationRHB 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 \'leading it right\' environment, challenging assignments and a culture of excellence are the pillars to the dynamic and diversified workplace we call home.

RHB Bank