Present credit proposals and recommendations to Credit Committee with clear articulation of risk–return rationale.
Interview or seek clarifications from clients together with RMs if required
Support the business in structuring of financing solutions tailored to client needs, by providing analytics and insights, while aligning with the bank’s risk appetite.
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Maintain consistency between local risk policies and Group standards, while ensuring compliance with dual regulatory requirements.
Develop, implement, and maintain local credit policies that are fit-for-purpose, addressing specific risk exposures and local regulatory expectations.
Establish and enforce disciplined policy governance, including structured communication protocols to ensure clarity and awareness across stakeholders.
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Represent the Corporate Banking department on divisional and cross functional projects relating to credit risk, Basel, credit process improvements etc
Collaborate with Group Risk Management on credit policy, risk rating models and credit framework in support of specific requirements of Global Corporate Banking business
Banking and credit experience of at least 15 years
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Independently liaise and follow up with internal and external stakeholders (e.g. engage internal legal and product on insurance matters or external solicitors and valuers to facilitate completion of mortgage documentation and working with legal and custodian teams to ensure the perfection of share-related documentation) to ensure timely completion of documentation
Perform documentation and other required checks for returned documentation to ensure completeness and accuracy, validate fulfillment of conditions precedent, perfection of collaterals and compliance with internal policies and procedures
Review of legal opinions to ensure compliance with applicable laws and regulations for documentation requirements
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To ensure accuracy of information, data entry and completeness of documents / information for credit application submissions.
To continuously improve productivity and efficiency in carrying out duties to achieve the set targets, objectives and KPI.
To assist and cooperate with staff intra- and inter-departments in areas such as credit control / collection, risk assessment / mitigation, documentation and legal matters where required to ensure the interest of the company/group is protected.
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To ensure accuracy of information, data entry and completeness of documents/information for credit application submissions.
To continuously improve productivity and efficiency in carrying out duties to achieve the set targets, objectives and KPI.
To assist and cooperate with staff intra- and inter-departments in areas such as credit control/collection, risk assessment/mitigation, documentation and legal matters where required to ensure the interest of the company/group is protected.
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Play a key role in strengthening OCBC’s risk governance framework. As a Group Wholesale Credit Policy Intern, you’ll be part of a collaborative and purpose-driven team within Group Risk Management, supporting initiatives that uphold sound risk practices across the bank. You’ll gain exposure to policy management, data analytics, and stakeholder engagement, while building a strong foundation in banking and risk management.
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