Define your future at HL Bank Singapore
Functional (job responsibilities)
Security Documentation
• Review and craft Letters of Offer, Supplementary Letters of Offer and security documentation in accordance with the approved terms and conditions for private banking. Relevant experience in assets transfer, mortgage financing, structured financing, and corporate banking financing will be advantage.
• Ensure all pre-disbursement conditions (Conditions Precedent) are met before activating credit facilities.
• Liaise with valuers, solicitors and other external parties on the valuation, perfection and registration of security pledged to the Bank and total discharge of security for redemptions for both local and overseas properties and other collaterals, including but not limited to non-standard documentation and complex security structures.
• Liaise with insurance companies and agents on the workflow and collateral documentations on the assignment of the life insurance policies, fire insurance policies and credit insurance policies and release of assignment as required.
• Track ageing for return of facility and security documents for safe keeping.
• Ensure that all facility and supporting security documents duly executed by clients are in order and pledged with HLBS and/or overseas branches
• Approve implementation, changes and cancellation of credit facilities and collateral maintenance and loan drawdowns / limit changes / redemptions
Credit Reporting
• Review all monthly regulatory and daily/monthly head office and management reports including ad hoc reports as assigned from time to time.
• Review the valuation of collaterals and ensure accuracy.
• Prepare monthly Credit Committee presentation pack and minutes of meetings.
Control
• Review implementation and control of acceptable collateral, caprice, single counter limit and grandfathering of shares.
• Review and monitor margin call, excess collateral shortfall and other credit exceptions and track for ratifications and approval.
• Review and monitor outstanding documentations, special covenants and conditions for credit compliance.
• Review and monitor compliance within regulatory limits.
• Conduct annual review of the bank’s panel of external legal, valuers and insurance agents.
• Update and review of SOP manual and risk control measures.
• Support internal and external audits by providing accurate documentation and resolving identified issues.
Projects
• Actively support and contribute constructively to the success of inter-departmental projects such document library, new products initiation and integration, new marketing campaigns launched by various BUs.
• Initiate and spearhead department projects to improve on the operational efficiency, compliance controls and processes.
• Prepare test scripts and perform UAT testing for banking system enhancements and delivery.
Stakeholders Collaboration
• Partner with Relationship Managers (RMs) and Credit Risk teams to resolve documentation discrepancies and provide advisory on credit structures.
Others
• Manage/participate ad-hoc assignments assigned from time to time.
• Assist to provide leave cover for Head and other team member as designated by Head from time to time.
• Provide mentoring, training and guidance to team members and junior staff as and when needed.
Managerial (team/group responsibilities)
· To carry out any other duties as assigned by Head, Credit Admin & Loan Operations and Head of Operations from time to time.
Organizational (organizational responsibilities)
· To carry out any other duties as directed/assigned by the Management from time to time.
About HL Bank Singapore
HL Bank Singapore is the Singapore branch of Hong Leong Bank, a premier regional financial services leader headquartered in Malaysia with a rich heritage of over 120 years. Listed on Bursa Malaysia and a key member of the extensive Hong Leong Group, we operate a robust network of approximately 250 branches across Malaysia, with a strategic regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China.
As a Full Bank in Singapore, we serve as a vital hub for the Group’s regional ambitions. A cornerstone of this strategy is our sophisticated "advisory-first" wealth proposition through HLB Private Bank and HLB Priority. By combining our deep Asian market roots with a landmark strategic alliance with Swiss private bank Lombard Odier, we provide world-class wealth architecture and bespoke solutions for our clients.
Beyond our wealth focus, we deliver excellence through four core business pillars: Business & Corporate Banking, Personal Financial Services, Private Wealth Management, and Global Markets. This "Integrated Approach" allows our talent to collaborate seamlessly across segments, ensuring we effectively meet the multifaceted needs of high-net-worth individuals, business founders, and corporate enterprises alike.
At HL Bank Singapore, our people are central to our success, and as a recognized Human Capital Partner (HCP) by TAFEP, we are committed to progressive workplace practices and your professional development. We seek digitally inclined, customer-centric performers who thrive in a technology-focused environment, where we empower our teams with AI-enhanced tools and next-generation platforms to lead the industry. As part of a large, diversified conglomerate, we offer unrivaled opportunities to explore new grounds and build a challenging career path within a rapidly expanding regional landscape. Join us to be part of a proven value-creation story and shape the future of your own story at HL Bank Singapore.
