Conducts commercial credit analysis, prepares credit submissions, and recommends approvals aligned with risk appetite. Monitors portfolio quality, covenants, early warning indicators, concentrations, stress tests, and emerging risks. Coordinates with relationship managers, credit approvers, risk teams, and administrators. Prepares regulatory and asset-quality reporting, manages audit queries, and supports remediation and governance activities.
Key Responsibilities:
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.
Requirements:
- Bachelor’s or Master's Degree or any related disciplines (Accounting/ Finance/ Business/ Economics) or equivalent professional qualification
- At least 3 years of relevant experience in credit analysis, credit risk, non-retail banking risk management
- 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.
CIMB Singapore Singapore Office
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