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.
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.
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.
OCBC is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. It is now the second largest financial services group in Southeast Asia by assets and one of the world’s most highly-rated banks, with an Aa1 rating from Moody’s. Recognised for its financial strength and stability, OCBC is consistently ranked among the World’s Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker.
OCBC and its subsidiaries offer a broad array of commercial banking, specialist financial and wealth management services, ranging from consumer, corporate, investment, private and transaction banking to treasury, insurance, asset management and stockbroking services.
OCBC’s key markets are Singapore, Malaysia, Indonesia and Greater China. It has more than 570 branches and representative offices in 19 countries and regions. These include about 300 branches and offices in Indonesia under subsidiary Bank OCBC NISP, and over 90 branches and offices in Mainland China, Hong Kong SAR and Macau SAR under OCBC Wing Hang.
OCBC’s private banking services are provided by its wholly-owned subsidiary Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals.
OCBC's insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia. Its asset management subsidiary, Lion Global Investors, is one of the largest private sector asset management companies in Southeast Asia.
