(Senior) Credit Approver

We’re on a mission to make financial services accessible and effortless for SMEs. As one of Singapore’s latest digital wholesale banks fully regulated by MAS, we’re committed to continuous innovation to bring about simpler, safer and more rewarding financial services. #bringingaboutwhatsnext

We are seeking experienced Credit Approver to join our team in Singapore. In this role, you will conduct in-depth credit reviews and analyses of corporate, institutional, and SME clients across the Asian market. You will play a critical part in evaluating new products and transactions, approving deals within your authority, and providing well-founded recommendations to senior credit approvers.

The ideal candidate will combine technical credit expertise with forward-thinking strategic judgment, strong stakeholder management skills, and the ability to drive risk excellence across the region.

Key Responsibilities

Credit Analysis & Approval

• Conduct comprehensive credit reviews and analyses for corporate, institutional, and SME clients across the Asia Region
• Perform annual and new counterparty reviews, ensuring thorough assessment of creditworthiness
• Approve transactions within delegated approving authority or provide well-founded recommendations to credit approvers
• Address ad-hoc credit requests with timely and accurate analysis

Transaction Support & Structuring

• Collaborate with Business Units on structuring transactions to optimize risk-return profiles
• Review and advise on legal terms and documentation
• Evaluate new products and transactions, assessing credit implications and risk factors
• Provide general credit advice and analysis to support business decision-making

Portfolio Management

• Monitor portfolio developments and stay updated on client performance and market conditions
• Identify emerging risks and opportunities within the assigned portfolio
• Escalate concerns proactively and recommend mitigation strategies

Industry Engagement

• Maintain strong connections across the industry to stay informed of latest news, trends, and developments
• Network with peers, regulators, and market participants to enhance market intelligence
• Apply industry insights to improve credit assessment and risk management practices

Stakeholder Collaboration

• Build and maintain strong, dialogue-based relationships with Business Units, Risk Management, Legal, and other stakeholders
• Present credit recommendations clearly and confidently to senior risk management
• Foster open communication channels to support effective risk-business partnership

Experience & Qualifications

• 8+ years of regional Asia credit risk experience in a financial institution
• Proven exposure to corporate and institutional clients across multiple industries
• Strong track record in credit analysis and financial modelling across various sectors
• Experience preparing counterparty credit reviews and presenting to senior risk management
• Demonstrated leadership potential with readiness to grow into senior risk leadership roles

Technical Skills

• Expertise in credit risk assessment, financial statement analysis, and financial modelling
• Deep understanding of credit products, transaction structures, and legal documentation
• Knowledge of Asian market dynamics, regulatory environment, and industry trends
• Proficiency in credit risk systems and Microsoft Office (Excel, PowerPoint)

Personal Attributes

• High integrity with strong ethical standards and professional judgment
• Forward-thinking mindset – anticipates emerging risks and opportunities, stays ahead of market trends
• Open-minded approach – receptive to new ideas, diverse perspectives, and innovative solutions
• Critical thinking and strategic judgment in balancing business growth with sound risk management
• Independent credit judgement with ability to articulate recommendations succinctly to senior management
• High degree of ownership, delivery focus, and timeliness in output-driven environment
• Strong communication skills – confident presenter with ability to influence stakeholders
• Relationship builder – able to establish open, dialogue-based connections across diverse stakeholders
• Leadership potential – demonstrates capability to step into a leadership role when ready

Education

• Bachelor's degree in Finance, Economics, Accounting, or related field (required)
• Professional qualifications (CFA, FRM, CPA) or advanced degree (preferred)