Financial Institution Credit Risk Management (ED/MD)

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

 Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.

 We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

Why Join

As a key member of our risk management team, you will play a critical role in shaping the future of OCBC. You will work closely with stakeholders to identify and mitigate credit risks, ensuring the bank's continued stability and growth. This is a unique opportunity to make a meaningful impact and build a rewarding career.
How you succeed

To excel in this role, you will need to stay ahead of the curve, anticipating and responding to emerging trends and risks. You will work collaboratively with cross-functional teams to develop and implement effective credit risk management strategies, leveraging data and analytics to inform your decisions.
What you do

• As the Primary Credit Approving Officer responsible for pro-active credit risk management of Sovereigns/Banks/Non-bank Financial Institutions (NBFIs) in the United States, Canada, and Global Asset Managers. Also acts as a Secondary Credit Approving Officer in cross team coverage.

• Review, assess, and recommend (approve) appropriate credit limits for credit propositions, annual renewals and transactional requests submitted by Business Units (BUs) in a timely manner. BUs include Global Financial Institutions, Global Trade Finance and Global Markets.

• Provide constructive comments in credit paper submissions for good quality credit papers and present clear and concise justification/rationale to co-grantor approvers. This includes recommending credit underwriting standards for new client segments or appropriate measurable controls to mitigate risk. Ensure new transactions and credit renewals meet OCBC’s risk acceptance criteria, risk policies and procedures, as well as regulatory requirements.

• Be pro-active management of credit portfolio amid evolving changes in market dynamics and escalate credit concerns/issues to management in a timely manner. Display strong credit management skills and sound judgement in credit solutions and recommendations.

• Be courageous in sharing views and solutions at meetings and business initiatives. Maintain continuous and good engagement with stakeholders.

• Be well-versed with the Bank’s credit policies and procedures and their changes and recommend credit policy changes, as required. Be part of Risk teams in enhancing risk management standards/governance, procedures, processes and initiatives.

• Perform regular stress tests on portfolios (including regulatory-driven stress test) and ad-hoc portfolio reviews/stress tests where required.

• Strong collaboration with stakeholders including Counterparty Credit Risk team and Business Units (such as Global Financial Institutions, Global Markets, Global Trade Finance) in discussions/initiatives, structuring credit facilities to mitigate inherent credit risks (direct & indirect risks).   

• Respond quickly and professionally to time-critical requests from Global Markets on counterparty limit excess.

• Be a strong team player who is dynamic and agile, able to lead a team and able to take on additional responsibilities.

• Negotiate credit terms in loan agreements, ISDA/CSA, GMRA, GMSLA or other documentation.

Who you are

• Candidate should minimally possess a good degree from a recognized university.

• At least 15 years of relevant credit experience with focus on Sovereigns/Banks/NBFIs. Credit experience in Global Asset Managers and hedge funds is an advantage.

• Strong experience in credit analysis, loan structures and treasury products.

• Strong analytical skills and strong ability to write good quality credit papers including papers for senior management.

• A strong team player who demonstrates ability to adapt and work in a team in a fast-paced environment.

• Strong ability to express opinions, lead discussions with BUs and provide solutions to challenging credits and new businesses.

• Good knowledge in legal documentation including loan documentation, ISDA/CSA, GMRA, GMSLA.

• Excellent written and interpersonal communication skills.

Who we are
As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.
Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation.
But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.
We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here.
What we offer
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Equal opportunity. Fair employment. Selection based on ability and fit with our culture and values. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.