Credit Risk Manager

Job Overview

The Credit Risk Manager is a senior member of the Credit Risk function, responsible for safeguarding the overall health and quality of the loan portfolio. Reporting to the Local Chief Risk Officer (CRO), and serving as the next-in-command in the CRO’s absence, this role provides independent and objective credit risk assessments across corporate and middle-market exposures. The position plays a critical advisory role to business units, contributes to deal structuring and portfolio strategy, and ensures strong alignment with internal credit policies and regulatory expectations.

The Credit Risk Manager works closely with senior stakeholders across the Risk Department, which encompasses Credit Risk, Credit Analysis, Market Risk, and Operational Risk, and provides leadership oversight to a team comprising senior managers and analytical support resources.

Key Responsibilities

Credit Evaluation & Independent Risk Assessment

• Review and assess credit proposals and detailed credit reports across corporate and middle-market portfolios.

• Provide independent risk opinions on:

  • New credit facilities and limits

  • Incremental credit limit requests

  • Periodic credit reviews

  • Waivers, amendments, and policy exceptions

• Ensure all credit recommendations comply with internal credit policies, risk appetite, and applicable regulatory requirements.

Collaboration with Business Units

• Partner with relationship managers and business teams to conduct comprehensive credit due diligence on prospective and existing clients.

• Participate in factory visits, site inspections, and client meetings to gain first-hand understanding of business operations, financial risks, and industry dynamics.

• Act as a trusted risk advisor while maintaining independence in credit judgment.

Credit Risk Monitoring & Portfolio Oversight

• Continuously monitor and review existing credit exposures to identify emerging risks, deteriorating credits, and concentration issues.

• Proactively flag potential risk concerns and recommend timely risk mitigation actions.

• Contribute to ongoing portfolio quality assessments and early warning monitoring frameworks.

Risk Advisory in Deal Structuring

• Provide risk guidance during the structuring of credit facilities and financing solutions.

• Participate in term sheet negotiations and deal discussions, ensuring risks are appropriately identified, priced, and mitigated.

• Recommend enhancements to facility structures, covenants, and security packages to strengthen the bank’s risk position.

Stress Testing & Portfolio Analysis

• Conduct credit portfolio stress testing to assess resilience under plausible severe adverse economic and industry scenarios.

• Analyse stress test outcomes and recommend action plans, portfolio adjustments, or risk mitigation strategies.

• Support broader credit risk governance initiatives, including portfolio reporting and risk analytics.

Industry, Economic & Regulatory Awareness

• Stay abreast of macroeconomic developments, sectoral trends, and industry-specific risks that may impact portfolio quality.

• Assess the implications of economic cycles and sector dynamics on credit exposures.

• Maintain strong awareness of regulatory developments and supervisory expectations relevant to credit risk management.

Ad-Hoc Risk & Strategic Assignments

• Undertake special projects and ad-hoc risk assignments as delegated by the Team Leader, Credit Risk, or the Branch CRO.

• Contribute to cross-functional initiatives, policy reviews, and strategic risk projects as required.

Key Requirements / Qualifications

Experience:

• Minimum 15 years of relevant corporate credit experience within the banking or financial services industry.

• Proven exposure to large corporates and middle-market client segments.

Technical Skills & Expertise:

• Strong credit analysis, financial assessment, and independent risk evaluation capabilities.

• In-depth knowledge of corporate lending products, including:

  • Corporate and structured lending

  • Trade finance

  • Specialised lending (e.g. transportation-related financing)

  • Hedging and derivatives products

• Experience in credit risk governance matters, including:

  • Credit portfolio reporting

  • Review and enhancement of credit-related policies

  • Credit stress testing and scenario analysis

  • Expected Credit Loss (ECL) reporting

  • ESG and sustainability risk assessments

• Familiarity with local regulatory frameworks and supervisory expectations.

• Industry knowledge in sectors such as agriculture and integrated plantation groups is an added advantage.

Soft Skills & Personal Attributes :

• Highly analytical, detail-oriented, and risk-aware.

• Strong professional judgment with the ability to challenge constructively.

• Proactive in identifying emerging risks and recommending solutions.

• Effective communicator with strong advisory and stakeholder management skills, including interaction with senior management.

• Adaptable and able to manage ad-hoc assignments and cross-functional initiatives in a dynamic environment.

Interested candidates are encouraged to submit their resumes along with a cover letter outlining their relevant experience and achievements to [email protected] or click apply now!

**We regret to inform that only shortlisted candidates would be notified**

Talentvis Singapore Pte Ltd | EA License No: 04C3537

EA Personnel Name: Reggie Tiongson | EA Personnel No: R1324767