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OCBC

Senior Credit Manager (Commercial Banking) MD/ED

OCBC
BusinessOCBC SingaporeFull-time3 days ago
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About the role

AI summarised

Senior Credit Manager role in commercial banking, responsible for managing a portfolio of corporate credit exposures, leading credit risk assessment, and ensuring compliance with regulatory standards. The role involves structuring credit facilities, monitoring portfolio performance, and mentoring junior team members.

BusinessFull-timeGeneral

Key Responsibilities

  • Manage and oversee a portfolio of commercial credit exposures, ensuring alignment with risk appetite and credit policies.
  • Lead credit risk assessment and underwriting for new and existing corporate clients, including financial analysis and due diligence.
  • Structure and negotiate credit facilities, including loan agreements, covenants, and collateral requirements.
  • Monitor portfolio performance, identify early warning signals, and recommend appropriate risk mitigation actions.
  • Ensure compliance with internal credit policies, regulatory requirements, and Basel guidelines.
  • Mentor and develop junior credit analysts and associates within the team.
  • Collaborate with relationship managers and product teams to support client needs while managing risk.
  • Prepare and present credit proposals to senior management and credit committees.
  • Conduct industry and macroeconomic research to inform credit strategy and portfolio decisions.

Requirements

  • Minimum 10 years of experience in credit risk management within commercial banking or corporate banking.
  • Strong knowledge of credit analysis, financial statement analysis, and loan structuring.
  • In-depth understanding of regulatory frameworks including Basel, AML, and KYC.
  • Proven track record of managing large and complex credit portfolios.
  • Excellent analytical and problem-solving skills with attention to detail.
  • Strong communication and interpersonal skills to interact with internal and external stakeholders.
  • Leadership experience with ability to mentor and manage a team.
  • Bachelor's degree in Finance, Accounting, Business, or Economics; MBA or CFA preferred.
  • Proficiency in financial modeling and credit risk tools.
  • Ability to work under pressure and make sound credit decisions in a timely manner.