Credit Analyst (One-year Contract)

This is a One-year Contract role.

Closely work with Head CIB and Senior Manager – Portfolio Management in maintaining the overall portfolio metrics and quality of the book.

Main Job Responsibilities

Credit Risk Assessment and Management

Assisting the RM and working closely with Senior Manager – Portfolio Management & the Risk team in managing the credit risk of the client portfolio. This involves:

• Understanding client needs and ensuring that appropriate facilities are being offered to the client
• Analyse creditworthiness of clients, Identification and assessment of key risks and structuring of facilities to mitigate the risks
• Preparation of clear and concise Facility Applications and annual / interim review of facilities including spreading of financials on Moody’s Financial Analyst tool, performing financial analysis and confirmation of compliance to covenants and credit terms
• Preparation of proposals for ad-hoc transactions and marketing clearances in line with Bank policies.
• Actively participate in supporting development of client relationship, including accompanying RMs on client visits
• Ensuring all client documentation are duly executed and perfected.

Housekeeping and risk monitoring

Assist RMs and closely work with Senior Manager – Portfolio Management in ongoing risk monitoring, including:

• Raising accounts on Early Alert as required, preparing early alert updates
• Handling excesses, seeking approval and following up with clients until regularization
• Ensuring credit files are always updated
• Maintaining credit files

• Assist RM in the implementation and execution of transactions including confirmation of conditions precedents met, and handling drawdown requests.
• Assist RM in co-ordinating the execution of legal documentation including facility agreement negotiation, perfecting of security / collateral, liaising with external legal counsel, HO legal, other lenders, etc as necessary.
• Assist RM in transactional approvals and monitoring.

• Work with product partners, operations team, risk and compliance for a seamless service delivery of the bank’s products to the client. This includes matters relating to payment investigations, account opening, loan drawdown / rollover requests, quotation of rates, balance enquiries etc.
• Be the escalation point for client relationships, proactively solving issues and escalating appropriately to RM, local COO or local CEO as required.

• Perform client due diligence and manage all aspects of financial crime risk in line with Bank’s compliance policies such as “Know Your Customer” (KYC), Anti Money Laundering (AML), Sanctions etc.
• Timely KYC and trigger reviews
• Follow up on alerts triggered by ongoing transaction monitoring as necessary

Foster team work

Promote a culture of Teamwork within the Unit by:

• Sharing best practices / sharing market information
• Backing up team members in client servicing

• Bachelor’s degree from a reputable university
• Financial qualifications, knowledge of accounting & finance/law.
• Fresh graduates are welcome to apply.
• Corporate Banking experience with knowledge of Trade Finance, Treasury, DCM is a plus.
• Good communication, interpersonal & written skills for both internal & external stakeholder engagement
• Proficient in MS Office
• Results-orientated, having initiative, takes ownership the responsibilities with positive attitude, keen to learn/acquire new knowledge.
• Note that salary commensurate with experience.