Senior Credit Risk Manager, Singapore

RBS Coutts Bank Ltd (Singapore Branch) SingaporeCompetitivePermanentFull time03-Dec-2010722597Purpose of the role - how it adds value

To sanction lending facilities within RBSC, Asia exercising Discretionary Power.To guide a small team of credit sanctioners based in Singapore.To prepare and/or overview detailed credit recommendations to RBSC Credit, Switzerland and RBS Wealth Management Credit, London.Along with the Head of Credit, Asia assume direct responsibility for credit facilities to Wealth Management clients of RBSC, Asia and assist with the efficient day to day running of RBSC Credit, Asia.To ensure that all borrowing applications are assessed in accordance with Credit policy/processes/procedures, in order to achieve an appropriate balance between business growth and prudent risk management thereby maintaining a high level of credit quality in RBSC, Asia.To meet reasonable expectations on turnaround times with regard to credit applications.To carry out excess management of the credit portfolio in line with laid down procedures.To carry out pro-active surveillance of credit portfolio to ensure that any deterioration is quickly recognised and acted upon.To take a prominent role in the interface between Credit and the front line, pro-actively working with PB teams in structuring lending transactions.Provide training, coaching and guidance to both Credit staff and private banking teams to ensure the continuing development of a consistent and quality focused credit culture.To assist in establishing and maintaining specific RBSC Asia credit policy, consistent with RBS Group/Wealth Management credit appetite.Key Accountabilities

To assist with the management of the delivery of a professional and cost effective support service to the businessProvide clarity and direction, setting and communicating objectives and managing performance of staff in RBSC, Credit, AsiaEffective working partnerships with front line and other support function staff to help in achieving business growth targets without compromising credit qualityExperience:

Ability to lead a small, highly motivated team combined with strong interpersonal skills.Knowledge and understanding of RBS/ Wealth Management credit processes, policies and procedures.A strong background in credit sanctioning, preferably in a private banking environment.Ability to prepare accurate and focused written credit reports.Strong analytical and technical skills with an ability to apply in a practical and balanced manner.Working knowledge of RBSC Asia’s key markets, including familiarity with legal infrastructure of each jurisdiction.Good knowledge of IT systems and high level of general IT skills.

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