Responsibilities:

• Assist in the oversight and implementation of the Company's credit risk framework, policies, procedures, and portfolio monitoring processes.
• Review credit proposals put up by Relationship Managers for independent risk assessment. This includes analyzing borrower profiles, repayment capacity, financial positions, collateral support, key risks, and mitigating factors.
• Assist with annual credit reviews and due diligence checks, such as litigation searches, blacklist checks, and Credit Bureau Singapore checks.
• Participate in site visits for new customers and phone interviews for existing customers as required.
• Help prepare and review credit portfolio reports covering industry concentration, loan type mix, non-performing loans (NPLs), and other quality indicators.
• Support the monitoring of credit risk trends and concentration risk, and assist in credit stress testing activities.
• Assist in preparing credit-related reports and updates for management, committees, regulators, and auditors.
• Perform any other ad-hoc duties as assigned by the Head of Risk.

Requirements:

• Diploma / Degree in Accountancy, Business, Finance or related discipline.
• Must be meticulous, analytical, and organized with the ability to follow through on outstanding matters.
• Strong written communication skills for preparing clear reports and management updates.