Lead credit approval for retail banking: implement risk-driven credit decisions, ensure policy compliance, approve limits, manage credit evaluation and documentation, oversee team performance, and update guidelines per MAS rulings.
Responsibilities:
Strategy and Planning
- To implement risk performance driven credit decision for the credit approval process.
- To review & provide feedback to Product and Compliance Team to ensure practicality & feasibility of the implementation of credit policies / guidelines.
- Manage proper credit evaluation of facility applications and completion of documentation in accordance with policies and procedures.
Business Performance and Management
- Ensure policies and procedures are documented and adhered. Develop and finalise policies and procedures for new facilities.
- Recommend and approve limits up to the appropriate delegated authority for retail bank.
- Adhere to Group’s standards portfolio / bulk reviews for facilities against collateral.
People Management
- Advise Personal Bankers and Relationship Managers on credit related issues.
- Leading and motivating the Credit Approval team in order to achieve SLA targets.
- Ensuring that the Credit Approval team keeps up to date with evolving regulatory landscape.
Overseeing the effective approval of credit facilities to minimise delinquency.
Regulatory Compliance
- Update Business Rules and Internal Guidelines as per the latest MAS rulings.
- Ensure compliance / adherence with credit policies and regulatory guidelines.
- Responsible for all credit perspective of retail facilities including ensuring compliance/ adherence with credit policies, guidelines and regulations, portfolio review.
Any other responsibilities/tasks as assigned by the Management from time to time.
Requirements:
Qualifications
Degree
Relevant Work Experience
At least 10 years experience in credit management
Technical/Functional skills
- Strong knowledge in credit assessment
- Strong knowledge of Retail Banking (Secured & Unsecured) credit facilities
- Strong knowledge of Banking Systems
- Strong knowledge of banking instruments, local banking laws and MAS guidelines
- Strong knowledge of credit assessment methodology and MAS reporting
Personal Skills (Soft Competencies)
- Analytical judgement for proper credit evaluation of facility applications in accordance with policies and procedures
- Able to prioritize and multitask
- Meticulous, accurate, independent and possess good problem solving skills
- Good verbal and written communication skills
CIMB Singapore Singapore Office
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