Credit Management Senior Specialist - CIBC SG

Key Responsibilities:

Credit Analysis, Deal Support and Covenant Monitoring 

• 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.


• Perform covenant monitoring to ensure: 
  
  
  
  • Timely tracking and reporting of financial and non-financial covenants
  
  
  • Early escalation of potential or actual breaches
  
  
  • Effective remediation actions, waivers, or restructuring strategies where required
  
  

Asset Quality Management (AQM), 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.


• 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.

Controls and Governance

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


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


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

Requirements:

• Bachelor’s or Master's Degree or any related disciplines (Accounting/ Finance/ Business/ Economics) or equivalent professional qualification


• At least 10 years of relevant experience in credit analysis, banking risk management, corporate banking.


• Strong financial analysis and cash flow assessment skills.


• Solid understanding of credit risk principles and lending structures.


• Good working knowledge of banking credit policies and regulatory requirements.


• Ability to assess risks across different industries and business models.


• Strong written and verbal communication skills.


• Ability to partner effectively with business stakeholders.


• Sound judgement and risk awareness.


• Ability to manage multiple deadlines in a deal‑driven environment.