Commercial Credit Management Specialist SG

Credit Analysis and Deal Support 

• Prepare and conduct comprehensive credit submissions, including but not limited to:
  
  
  
  • New-to-Bank credit proposals
  
  
  • Credit renewals and annual reviews
  
  
  • Interim/ad-hoc reviews
  
  
  • Facility enhancements and amendments
  
  
  • Pre-screening papers (e.g., financial analysis, cash flow projections, key risks and mitigations, etc.)
  
  


• Perform detailed analysis of:
  
  
  
  • Financial performance and cash flow sustainability
  
  
  • Business model, management capability and ownership structure
  
  
  • Industry, market and macroeconomic risks
  
  
  • Sources of repayment, collateral and security structure
  
  


• Articulate clear credit recommendations aligned with risk appetite and business strategy.


• Work closely with RMs to ensure complete and timely client information and documentation. 


• Liaise with Credit Approvers, Credit Risk, Portfolio Management and Credit Administration to facilitate smooth credit approval and documentation processes; and respond to queries arising from credit submissions.

Portfolio Management and Risk Monitoring

• Maintain up‑to‑date financials, internal ratings and credit information for assigned accounts.


• Monitor compliance with covenants, risk triggers and conditions precedent.


• Monitor portfolio asset quality trends, including:
  
  
  
  • Delinquencies and Days‑Past‑Due (DPD)
  
  
  • Early Warning Indicators (EWI)
  
  
  • Covenant breaches and risk trigger events
  
  
  • Adverse news and credit events
  
  


• Prepare and maintain EWI dashboards and reporting packs.


• Prepare Early Warning Indicator (EWI) memos or presentations where deterioration is identified.


• Support stress testing exercises and scenario analysis on portfolio exposures.


• Escalate emerging credit concerns proactively to RMs and relevant risk stakeholders.


• Design and maintain portfolio risk appetite and concentration triggers, including: 
  
  
  
  • Industry and sector exposure
  
  
  • Obligor Risk Rating (ORR)
  
  
  • Unsecured and clean exposure limits
  
  
  • Risk weighted assets, collateral coverage and RAROC
  
  
  • Bullet and balloon loan concentration
  
  


• Identify high risk segments and propose actions, e.g., exposure capping, limit reduction, collateralisation, exit strategies, etc. 


• Review exposure concentration for top obligor groups, high risk sectors, large network and Singapore centric names


• Support tail risk management of weak or deteriorating accounts.


• Conduct regular and ad hoc portfolio stress testing, including: 
  
  
  
  • Thematic stress tests
  
  
  • Trigger based and scenario driven reviews
  
  
  • Branch approved credit reviews where applicable
  
  


• Analyse portfolio trends and emerging systemic risks. 


• Share credit intelligence, sector insights and market developments relevant to portfolio risk.


• Provide portfolio‑driven guidance on drawdowns for clean facilities under heightened monitoring, utilisation patterns and abnormal movements. 

Controls and Governance

• Ensure all credit submissions comply with the Bank’s credit policies and guidelines, sector limits, approval authorities and regulatory requirements.


• Coordinate and prepare portfolio level reporting, including: 
  
  
  
  • Monthly Asset Quality (AQ) sessions (Country and Group)
  
  
  • MAS 612 and other regulatory submissions
  
  


• Manage credit‑related audit queries and remediation actions for assigned accounts.


• Prepare rectification or exception memos for covenant breaches or non‑compliance, where required.