Chief Credit Officer - Private Bank

Job description

Define your future at HL Bank Singapore Functional (job responsibilities) Manage all aspects of the Private Bank credit risk management function including design, execution, and communication of policy, approval process, administration, and portfolio analysis. The responsibilities of the role both at the bank and within the group. Providing oversight for an effective credit approval process within the company that supports the credit risk appetite of the Bank while also facilitating desired asset growth objectives. Strategic Oversight, provide oversight for an effective credit approval process that supports the Bank’s risk appetite while facilitating growth in the HNW loan portfolio. Risk Analysis, Analyze and recommend sound credit risk proposals for Management Credit Committee and Credit Supervisory Committee review. Responsible to comply with any regulatory guidelines which includes integrity of all regulatory reporting, bank’s policies on the fair treatment of financial consumers, bank’s policies/processes and procedures for anti-money laundering, countering financing of terrorism and proliferation financing and etc. Carry out any other duties as directed by the Bank’s Management. The responsibilities that may be assumed on an interim or a project basis where there are substantial contributions or deliverables from the member of senior management concerned. Managerial (team/group responsibilities) Provide effective leadership to build a cohesive, responsive, and high-performing Private Banking credit and collections team. Lead succession planning, talent management, and professional development programs to improve staff skill sets in line with changing market landscapes. Ensure the integrity of all regulatory and management reporting for the Private Banking credit division. Formulate and implement recovery plans for impaired loans and defaulters within the Private Banking segment. Organizational (organizational responsibilities) Leading a team of highly skilled specialists in identifying, measuring, managing and reporting critical global markets risk issues and strengthening the governance processes/workflows to better manage business-specific risk Strategic Alignment, ensure all credit policies are aligned with the Group’s business directions and effectively communicated across all organizational levels. Audit & Governance, maintain at least a "Satisfactory" audit rating for the division and ensure compliance with all internal and external regulatory guidelines. Operational Resilience, implement operational resilience frameworks, including managing outsourcing risks and business continuity. Education/Qualification Degree or professional qualification and/or Certified Risk Professional Experience/Requirements More than 15 years of relevant credit and business experience More than 5 years in senior management capacity Strong Leadership, Interpersonal, Analytical and Articulation skills & Ability to make tough/ robust decisions to protect the Group and achieve influence at the most senior level in the organization. Exposure to demanding operational environments to gain insight into the most effective risk management applications including understanding complex business requirements/ environments. Working across ALL levels of the organization to understand cross-functional linkages and interdependencies as well as implication of risk at both strategic level and business unit level. High level of professional competence, which helps to determine appropriate risk measures, risk processes, risks monitoring and management for the Group. About HL Bank Singapore HL Bank Singapore is the Singapore branch of Hong Leong Bank, a premier regional financial services leader headquartered in Malaysia with a rich heritage of over 120 years. Listed on Bursa Malaysia and a key member of the extensive Hong Leong Group, we operate a robust network of approximately 250 branches across Malaysia, with a strategic regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China. As a Full Bank in Singapore, we serve as a vital hub for the Group’s regional ambitions. A cornerstone of this strategy is our sophisticated "advisory-first" wealth proposition through HLB Private Bank and HLB Priority . By combining our deep Asian market roots with a landmark strategic alliance with Swiss private bank Lombard Odier, we provide world-class wealth architecture and bespoke solutions for our clients. Beyond our wealth focus, we deliver excellence through four core business pillars: Business & Corporate Banking, Personal Financial Services, Private Wealth Management, and Global Markets . This "Integrated Approach" allows our talent to collaborate seamlessly across segments, ensuring we effectively meet the multifaceted needs of high-net-worth individuals, business founders, and corporate enterprises alike. At HL Bank Singapore, our people are central to our success, and as a recognized Human Capital Partner (HCP) by TAFEP, we are committed to progressive workplace practices and your professional development. We seek digitally inclined, customer-centric performers who thrive in a technology-focused environment, where we empower our teams with AI-enhanced tools and next-generation platforms to lead the industry. As part of a large, diversified conglomerate, we offer unrivaled opportunities to explore new grounds and build a challenging career path within a rapidly expanding regional landscape. Join us to be part of a proven value-creation story and shape the future of your own story at HL Bank Singapore.