Senior Credit Evaluation Manager

RHB 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. Requirements: - 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. RHB 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.