Director - Credit (Securitization/Structured Credit)

A reputable and established international bank is urgently looking for a Director - Credit (Securitization/Structured Credit) in their Singapore office. The role is part of Asia Pacific Credit Department. No WORK VISA SPONSORSHIP IS PROVIDED!

• Credit review, credit underwriting and credit approval experience
• Structured Credit/Asset-Backed Lending transactions experience preferred
• Analytical, smart, financial modelling, cash flow analysis skill

Main responsibilities:-

• Provide independent credit risk assessments and approvals aligned with internal risk appetites. You will lead underwriting for Structured Credit and Asset-Backed Lending (ABL), focusing heavily on Securitisation (Auto Loan ABS, RMBS) while expanding into Fund Finance and non-recourse lending.
• Evaluate underlying asset characteristics, build cash flow waterfall stress tests, assess structural protections, and negotiate credit documentation terms.
• Conduct ongoing portfolio reviews, track strict transaction covenants/triggers, manage watchlist processes, and proactively escalate emerging risks.
• with the Front Office and control functions to drive efficient deal execution, presenting clear, decision-ready credit materials with well-supported recommendations.
• Drive the improvement of APAC underwriting frameworks and lead knowledge-sharing initiatives to upscale the capabilities of the wider credit team.

Main requirements : -

• Strong academic credentials from a recognised University
• Armed with deep technical expertise in Securitisation (Auto Loan ABS, RMBS), evaluating transactions through intense collateral review, cash flow waterfall modeling, and structural risk design.
• Proven track record of establishing an independent risk voice, successfully negotiating robust structural mitigants, tight financial covenants, and strategic triggers.
• Effectively managing relationships with Front Office originators and senior executives, delivering succinct and clear written credit papers and navigating complex risk discussions seamlessly.
• Broadly experienced across Structured Finance including Warehouse Finance, Fund/NAV Finance, and associated derivatives hedging risks (FX/Interest Rate, CSA, counterparty exposure).
• Adept at operating at the Director level, providing robust peer-to-peer challenge to transaction teams while designing agile underwriting frameworks for low-precedent, complex deals.