Prepare credit applications (new and renewal) with detailed analysis of key risks, deal structures, terms & conditions and deal rationale.
Ensure timely review of credit limits & counterparty rating in line with the bank's internal policies.
Keep abreast of the bank's credit policies and applicable laws and regulations.
Present credit views effectively to department co-Heads and credit department.
Regular, close monitoring of portfolio for early identification of warning signs and potential problem counterparties for remediation actions.
Work with Relationship Managers in deal structuring and co-ordinate with product partners, control functions, middle office, and overseas branches to ensure seamless execution of transactions.
Understand and recommend appropriate credit terms in documentation including loan facilities, ISDAs, and CSAs.
Support the Head of Credit where needed with ad hoc requirements and strategic initiatives to enhance department's activities and processes.
Qualifications:
Candidate should have at least 7-10 years of relevant experience as Credit Analyst or Transactor with international banks/ major financial institutions.
Deep understanding of deal structures, banking products and financial statements.
Ability to provide comprehensive credit analysis on a wide range of financial institutions and deal structures.
Good understanding of legal documents and regulatory framework related to NBFI-lending in the APAC region though not a must, will be an advantage.
