Benefits
Join a high‑impact credit risk team driving sustainable SME growth, shaping credit decisions, portfolio quality, risk governance, and leadership influence.How you succeedYou succeed through sound credit judgment, SME expertise, data‑driven insights, proactive engagement, strong governance, early risk detection, and effective team mentorship.What you doCredit Assessment & DecisioningPossess strong credit assessment skills and experience to facilitate higher quality of credit submissions and justifications from BU through thorough credit evaluations of Credit Proposals and Credit Memos, and engagement with BU.Participate in round‑table reviews and perform customer site visits with BU for more complex Small Business creditsEnsure all program and product initiatives, and approvals comply with regulatory standards, internal credit policies, product program guidelines, and individual Lending Authority Limits.Risk & Portfolio ManagementMonitor deviation approvals to ensure adherence to defined thresholds, conduct analysis and propose solutions for undesired deviation trends.Monitor portfolio quality statistics against ground observations to ensure delinquency performance is justified and aligned.Safeguard portfolio quality by identifying potential negative credit trends and work with stakeholders e.g. Portfolio Analytics, Team Lead on validation / mediation.Monitor and follow up on financial covenants, documentation gaps, and outstanding exceptions.Assess distressed cases and recommend appropriate risk‑mitigation strategies.Governance, Audit & Process ImprovementDrive enhancements to credit policies, programs, frameworks and processes to improve efficiency and effectiveness.Support the achievement of satisfactory ratings in internal and external audits.Represent Credit Risk in product, workflow and system design, loan sales initiatives, and subsequent revisions.Leadership & Team SupportDeputize Team Lead in his/her absence and manage the team.Impart credit skills and product knowledge, provide supervision, guidance, and technical support to junior credit approvers.Foster a strong risk culture and promote best practices across the team.Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.Vision insuranceFlexible schedule
Ocbc · Ocbc, Singapore