Credit Advisory & Lending Specialist

Key ResponsibilitiesCredit Advisory & Lending Solutions DesignAdvise RMs on credit scenarios and client financing needsStructure and deliver wealth lending solutions eg .Lombard, property-backed facilities and bespoke lending facilities.Support RMs in preparing and presenting lending proposals to clients (including financial analysis, collateral assessment or documentation review).Ensure all proposals comply with internal credit policies, risk guidelines, and regulatory requirements.Product Management & Tactical CampaignsManage and enhance wealth lending products, incorporating Sales feedback and market insights.Contribute to product strategy, pricing discipline and portfolio initiatives eg. run tactical campaigns to drive adoption of lending solutions and cross sell opportunitiesMonitor market trends and competitor offerings to identify product enhancement opportunitiesStreamline processes to improve efficiency, client experience, and risk monitoring.Monitor loan book to track portfolio performance and identify areas of potential risks / growth opportunitiesWork closely with Sales, Credit and Risk teams to uphold portfolio qualityConduct review of the lending framework for robustness and market relevancyBusiness Enablement & TrainingConduct training and product refreshers for RMs to strengthen frontline credit knowledgeDevelop product collaterals and sales tools to support business growth.Collaborate with key stakeholders (Credit, Risk, Operations, Compliance, Distribution) for alignment and seamless executionJob RequirementsAt least 8 years of experience providing credit advisory and tailored lending solutions to RMs and clients Experience or knowledge in Lombard and real estate-backed financing will be advantageous