The posting
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 annual/periodic credit reviews, monitoring 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.



