Credit Risk Management Officer

Responsibilities: - Perform Know Your Customer (KYC) and Customer Due Diligence (CDD) in compliance with MAS standards and the Bank’s AML and KYC policies to mitigate financial risks. - Liaise with sales teams to identify and resolve documentation deficiencies and fulfill regulatory requirements. - Prepare periodic loan reports and credit/liquidity stress testing reports to support risk assessment and decision-making. - Conduct credit reviews of loans and securities to evaluate creditworthiness and risk exposure. - Analyze financial statements and accounting items using Excel, including data analysis and VBA skills where applicable, to support financial evaluations. - Assist in developing and improving the Bank’s lending and risk management policies to enhance operational effectiveness. - Apply business, finance, and accounting knowledge to perform cross-industry financial analysis and research. - Execute additional duties related to lending and risk management as assigned by the Department Head. Preferred competencies and qualifications: - Diploma or University degree in Business Studies, Finance, Accounting, or related fields. - Fresh graduates with foundational financial analysis and research skills are encouraged to apply. - Bilingual proficiency in English and Mandarin to facilitate communication with Mandarin-speaking associates and the Head Office. - Basic skills in Microsoft Office applications, with advanced Excel (VBA) skills considered a plus.