Risk Management Officer (Loan Review)

Key Responsibilities

1. Credit Risk Review & Portfolio Monitoring

• Conduct independent 2nd-line review and challenge of credit applications, financial spread analyses, and credit rating assessments submitted by Loan Department for new, renewed, amended bilateral and syndicated facilities.

• Review and challenge credit applications; conduct annual/periodic credit reviews, and monitor asset quality, collateral valuation, and loan classification in compliance with MAS Notice 612 and internal provisioning guidelines.

• Monitor borrower covenant compliance, financial triggers, and sector/single-counterparty exposure concentration limits; track early warning indicators for credit deterioration.

• Monitor portfolio concentrations (borrower, group, industry and country), large exposures and related-party exposures against approved and regulatory limits and escalate breaches promptly.

• Support periodic credit portfolio stress testing and the governance of the internal risk rating framework.

2. Liquidity & Market Risk Management

• Independently review and challenge daily regulatory liquidity returns and indicators, including Minimum Liquid Assets (MLA - MAS Notice 649), Minimum Cash Balance (MCB - MAS Notice 758), and Asset Maintenance Ratio (AMR – MAS Notice 640).

• Measure and track funding mismatch and gapping positions across tenors; monitor adherence to internal liquidity thresholds.

• Monitor market risk and treasury limits, including FX net open positions, counterparty exposure, issuer limits, and stop-loss limits on the bond investment portfolio.

• Assist in the formulation of liquidity stress-testing assumptions, review quarterly stress-test results, and support the regular maintenance and testing of the Contingency Funding Plan.

• Evaluate and monitor risks in the Branch’s bond investments, including issuer credit quality (investment-grade requirement), concentration, price and interest rate risk, and suitability for liquidity management purposes.

3. Operational Risk Oversight

• Facilitate the branch-wide Operational Risk Management framework, including tracking Risk and Control Self-Assessments (RCSA), Key Risk Indicators (KRIs), and operational risk incident/loss event reporting.

• Monitor operational risk incidents and remediation action plans across business and operational units to prevent process vulnerabilities and fraud.

• Support assessments related to outsourcing arrangements, third-party vendor risks, and business continuity readiness working in close collaboration with Compliance.

4. Risk Reporting & Governance

• Prepare comprehensive risk management dashboards and reporting packages for the Risk Management Committee (RMC) and Head Office.

• Undertake other duties assigned by the Head of Risk Management and/or General Manager,provided they do not compromise the independence of the role.

Qualifications & Requirements

• Degree in Risk Management, Finance, Banking, Accounting, or a quantitative discipline

• 2–5 years of relevant middle-office risk management experience within a corporate/wholesale bank in Singapore. Fresh graduates are welcome to apply.

• Solid understanding of wholesale lending products (bilateral loans, syndicated loans) and investment-grade fixed income instruments.

• Strong technical literacy with MAS regulatory requirements.

• Ability to exercise independent judgement and to challenge stakeholders constructively; strong report-writing and communication skills.

• High standard of integrity; observes customer-information confidentiality under the Banking Act and the Branch’s code of conduct.

• Proficient in English and Mandarin.