Senior Credit Manager (MD/ED)

Job description

WHO WE ARE

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires. Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation.

But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future. We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can.

Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here.

Job Summary

To evaluate and approve credit applications for wholesale banking, specifically focusing on (1) Real Estate (“RE”) sector and / or (2) Technology, Media and Telecom (“TMT”) sector in Hong Kong and Greater China, within delegated lending authority limits (LAL). This senior credit approver role (Managing Director / Executive Director) is pivotal in maintaining high-standard credit portfolio through continuous monitoring of obligors and the external environment, while contributing to the development of credit risk strategies that address emerging market risks.

What You Will Be Doing?

Credit Evaluation & Approval

Review and analyze credit proposals for Hong Kong and China wholesale corporate and specialized RE and / or TMT clients. Assess financial conditions, debt serviceability, cashflow projections, collateral quality (including LTV and DSR for property assets) and project viability to make informed recommendations or approval decisions.

Sector-Specific Oversight

Focus on (1) large-scale real estate projects, including construction financing and investment property loans (2) top tier TMT clients with project specific / supply chain financing requirements, ensuring deep due diligence into project feasibility and liquidity assessment across Greater China.

Portfolio Management & Monitoring

Manage credit risk on a portfolio basis, conducting regular and ad-hoc reviews or stress tests to identify early warning signs of credit deterioration and updating loan classifications as necessary.

Collateral and Security Governance

Liaise with business units to enforce (1) strict valuation and legal title governance for property collaterals (2) transactional monitoring mechanism on securities.

Stakeholder Collaboration

Provide expert guidance on credit structures, due diligence, and monitoring processes. Manage local market credit knowledge sharing with our bank network.

Policy & Compliance

Ensure all credit activities comply with internal policies and HKMA regulatory requirements. Assist in reviewing credit guidelines and supporting internal/external audit examinations.

Strategic Advisory

Provide oversight on the recovery and work-out of deteriorating credits and participate in regional credit risk projects for the Head Office and Greater China. What We Are Looking For?

Experience

Minimum 15+ years of wholesale credit experience, with at least 8+ years in credit approval role with delegated authority.

Sector Expertise

Proven track record in assessing RE credits and / or TMT credits, with specific knowledge of the regulatory landscape and market trends in both Hong Kong and Mainland China.

Technical Skills

Deep understanding of RE and / or TMT transaction structuring and financial modelling are essential. Respective debt restructuring and recovery experience, in particular for cross border (1) RE transactions (2) TMT supply chain financing transactions, will be an advantage.

Mobility

(1) travelling required within Greater China regions (2) for TMT coverage, mobility to work in OCBC Singapore or other network locations will be an advantage.

Languages

Native or professional fluency in English, Cantonese, and Mandarin is essential for managing regional clients and reviewing Chinese financial documents.

Education

University degree in Finance, Accounting, Risk Management, or a related discipline. Relevant professional qualifications for credit risk, legal, financial modelling and specific RE financing qualifications will be an advantage.

What we offer

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.