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Director - Infrastructure Finance Credit Officer

SMBC Group
10-12 Years
Singapore
  • Posted 29 days ago
  • Be among the first 10 applicants

Job Description

Key Responsibilities

Transaction Approval and Independent Credit Assessment

  • Independently assess and challenge financing proposals submitted by business units across a broad range of infrastructure financing transactions.
  • Review project financings, holding company financings, portfolio financings, acquisition financings and hybrid infrastructure financing structures.
  • Evaluate financing structures, sponsor support arrangements, concession frameworks, project agreements, commercial contracts, legal documentation and security packages.
  • Analyse financial projections, downside scenarios, refinancing considerations, cash flow resilience and recovery prospects.
  • Identify, assess and articulate key credit risks, structural risks and mitigants affecting transaction viability and repayment capacity.
  • Formulate independent credit recommendations and concise executive summaries to support approval decisions by relevant approval authorities.
  • Engage proactively with business units regarding transaction structuring, credit terms, documentation standards and risk mitigation measures.
  • Participate in early-stage transaction discussions to ensure alignment with the Bank's credit policies, risk appetite and strategic objectives.
  • Depending on delegated authority and experience, approve transactions within assigned authority limits or provide recommendations to higher approval authorities.

Portfolio Management and Credit Oversight

  • Monitor and manage an assigned portfolio of infrastructure financing exposures across the Asia Pacific region.
  • Conduct annual reviews, obligor grading assessments, credit strategy reviews and ongoing portfolio monitoring activities.
  • Identify emerging risks, sector concentrations, adverse market developments and deteriorating credit trends.
  • Develop and monitor action plans for exposures exhibiting signs of deterioration or increased risk.
  • Participate in the management of waivers, amendments, restructurings, stressed assets and workout situations where required.
  • Contribute to thematic portfolio reviews, concentration risk monitoring and portfolio analytics.

Sector Expertise and Risk Leadership

  • Maintain a strong understanding of infrastructure finance markets across Asia Pacific, including evolving market practices, financing structures, regulatory developments and emerging risks.
  • Develop and maintain expertise in one or more sectors, including:
    • Renewable Energy
    • Power & Utilities
    • Data Centers and Digital Infrastructure
    • Transportation
    • Energy Transition
    • Natural Resources
  • Contribute to sector reviews, thematic risk assessments and portfolio outlook analyses.
  • Provide technical guidance and mentorship to junior credit officers.
  • Support the enhancement of analytical standards, risk frameworks and credit best practices across the department.
Credit Policy, Governance and Strategic Initiatives

  • Ensure compliance with the Bank's credit policies, risk appetite framework and approval requirements.
  • Contribute to credit policy development, portfolio governance initiatives, risk acceptance criteria and departmental process improvements.
  • Support discussions relating to portfolio strategy, sector positioning and emerging risks.
  • Liaise with business units, risk management, audit, regulators and other internal stakeholders on credit-related matters.
  • Ensure the accuracy and completeness of information maintained within credit monitoring systems and reporting tools.
  • Support regulatory, audit and management reporting requirements as required.

Required Experience And Qualifications

  • Minimum 10 years of relevant experience in infrastructure finance, project finance, credit risk management, infrastructure investment, project advisory, rating agencies or related disciplines.
  • Demonstrated experience assessing complex infrastructure financing transactions, including project financings, holding company financings, portfolio financings, acquisition financings or similar structures.
  • Strong understanding of:
    • Infrastructure and project finance structures;
    • Financial modelling and cash flow analysis;
    • Construction and operational risks;
    • Concession agreements, commercial contracts and project documentation;
    • Financing and legal documentation;
    • Credit structuring and covenant frameworks.
  • Proven ability to independently identify, assess and articulate key credit risks and mitigants in complex financing transactions.
  • Strong written and verbal communication skills, including the ability to distil complex issues into concise and actionable recommendations for senior stakeholders.
  • Bachelor's degree in Finance, Accounting, Economics, Business or a related discipline.
  • Advanced proficiency in Microsoft Excel and strong financial modelling capabilities.
Preferred

  • Relevant experience within infrastructure lending, infrastructure debt investing, project finance, advisory, rating agencies or credit risk management.
  • Prior credit approval authority or significant experience supporting credit committee and senior approval processes.
  • Experience covering multiple infrastructure sectors across Asia Pacific.
  • Experience managing stressed assets, restructurings or workout situations.
  • CFA, CPA, CA or equivalent professional qualification.
  • Experience mentoring junior professionals and contributing to policy development or portfolio management initiatives.

What Success Looks Like

The successful candidate will:

  • Deliver independent, well-reasoned and commercially balanced credit assessments on complex infrastructure financing transactions.
  • Influence transaction structuring and risk mitigation outcomes at an early stage
  • Build credibility as a trusted advisor to business units while maintaining strong risk discipline.
  • Contribute to portfolio stability through proactive risk identification and portfolio oversight.
  • Develop recognised sector expertise and contribute to the evolution of credit policies, portfolio strategy and risk management practices across the Asia Pacific Division.

More Info

Job Type:
Permanent Job
Industry:
Other
Function:
Infrastructure Finance
Employment Type:
Full time

About Company

Job ID: 152065419

Last Updated: 06-08-2026 08:46:11 PM
Homejobs in SingaporeDirector - Infrastructure Finance Credit Officer

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cash flow analysis , Microsoft Excel, Project Finance, Credit approving, Securitization finance, Infrastructure finance, Credit Risk Management, Legal Documentation, Financial Modelling, credit review, Financing structures, Covenant frameworks

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