VP/AVP, Credit Approver (Commercial Banking)

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. How you succeed To excel in this role, you'll need to stay ahead of the curve, anticipating and responding to changes in the market and the economy. You'll work collaboratively with cross-functional teams to develop and implement effective credit risk management strategies, leveraging data and insights to inform your decisions. Your ability to balance risk and reward will be crucial in driving business growth while maintaining a strong risk profile. What you will be doing: Act as Risk co-grantor in approving credit applications, credit ratings (risk rating and facility risk rating), account strategies, credit monitoring and daily activities submitted by relationship managers within the given lending authority limit (“LAL”), in accordance with the Bank’s policies, procedures, and regulatory requirements. Work collaboratively with approvers, relationship manager and credit managers to ensure timely approval of credit reviews. Liaise closely with relationship managers to gather the necessary information for credit assessments and approval. Perform clients' site visits with relationship managers to conduct credit due diligence in the credit approval and monitoring process. Assess credit risk for commercial banking customers (focusing on Real Estate and other sectors), including financial analysis, cashflow projection & evaluation, and review of industry trends. Early identify deteriorating credit and timely review and update the loan classification. Assess credit risk for commercial banking customers in routine and ad hoc portfolio reviews/ stress testing. Co-operate with internal / external control units for internal / external audit work; HKMA periodic review / ad hoc review / on-site examination. Assist the team on reviewing credit policies and guidelines, new products approval, system implementation and other ad hoc projects. Stay updated on market developments, industry trends, economic conditions, and regulatory changes that may impact credit quality and provide insights in the credit assessment. Collect market intelligence through relevant channels. What are we looking for: Degree or above in Business Administration, Banking, Accounting or Finance At least 8 years wholesale credit experience preferably with exposures in large corporations in Greater China region, including minimum 4 years of experiences in credit approval preferably with Lending Authority Work independent, with good communication and analytical skills Proficiency in both written and spoken English and Chinese Proficient in Microsoft Office including MS word, PowerPoint and Excel #LI-SL1 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. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.