Job Application

Job Title

Credit Evaluation Manager/Senior Manager

Job Description

Primary Objective

To ensure recommendations and approvals for new and review loans result in no more than 2% of loans turning NPL within 12 months and approval turnaround time is met by:

  • Conducting credit risk evaluation and approving /rejecting or recommending for approval, credit applications submitted by Corporate Banking (‘CORP’), Islamic Banking (IB), Commercial Banking (‘CB’), Financial Institutions Group (‘FIG’) and Personal Financial Services (‘PFS’)

Key Responsibilities


  • Provide credit risk evaluation of credit applications submitted by the various business units and identify / address / mitigate all pertinent credit risk issues.
  • Approve credit applications within ‘Delegated Lending Authority’ assigned or recommend to next higher approving level for approval in accordance with the DLA architecture set out.
  • For credit applications submitted by CORP, IB, CB & FIG, to review the ‘credit risk grade’ generated and affirm or reject / override the credit grade with justification.
  • For credit applications submitted by PFS, to ensure that the respective product parameters, credit guidelines and regulatory requirements are met or well mitigated.
  • Evaluate and approve, reject or recommend operational and administrative requests of CORP, IB, CB, FIG & PFS customers such as variation of terms & conditions.
  • Keep abreast of industry developments, market sentiments and the general business trend and their impact on our banking business.


  • Ensure that credit applications submitted are in line with the Bank’s credit guidelines & policy, rules and regulations as laid down in the Bank’s circulars and operations manuals, regulatory requirements (MAS Notices and Circulars, Banking Act).
  • Address issues raised by auditors and MAS relating to credit matters.


  • Undertake ad-hoc projects and other duties assigned by Head of Credit Evaluation from time to time.
  • Conduct joint customer visits with business units to better understand risks pertaining to their credit applications and provide them guidance on structuring of credit facilities.
  • Assist in the day-to-day operations and administrative functions of the department.


Formal Education

  • Degree /professional qualifications in Business, Accounting, Banking, Finance, Economics or other relevant disciplines

Preferred level of Experience (by years/function/industry)

  • Degree /professional qualifications in Business, Accounting, Banking, Finance, Economics or other relevant disciplines.
  • Minimum 10 years working experience in credit risk evaluation /analysis of corporate, SME and retail lending.  Knowledge of MAS statutory requirements is required for retail lending (i.e. housing & commercial property loans).
  • Possess strong credit writing and analytical skills in corporate /SME lending.

Other skills required

  • Good communication and interpersonal skills.

Experience Level

Mid-Senior Level

Interested? Apply Now!

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