Part of Credit Department in APAC region responsible for credit risks covering large corporates and institutions. This includes:
- To review and assess various types of credit applications submitted from business units as 2nd line of defense.
- To make appropriate credit decisions independently and neutrally which include evaluation, challenge, and recommendation/approval in relation to front office proposed deals, waivers, annual reviews, credit monitoring/grading, etc.
- To establish an adequate action plan for credits likely to deteriorate to minimize credit costs.
- To conduct credit portfolio analysis in terms of corporate groups, industry risks, commodity price, currency risks, ESG risk, internal grading, type of financial product, etc. from time to time.
- To monitor and proactively control credit exposures under large corporates and/or certain sectors for increased concern on concentration and industry risks, in cooperation with other relevant teams / departments.
- To discuss direction of potential deals with business units, ensuring compliance with the Bank's risk policies, procedures, regulatory compliance standards and risk appetite.
- Discuss within department and with business units to improve credit risk management, as deemed necessary.
- Any other duties as may be assigned from time to time.
Requirements
- Bachelor's degree; preferably in accounting, finance or economics
- Minimum 10 years of relevant experience in credit analysis / credit approval department. Knowledge of financial modeling, LBO, PF lending, Structured Finance will be an advantage.
- Excellent communication skills with strong command of English (both written and spoken)
- Solution oriented and ability to prepare clear and concise credit recmmendations
- Strong organization skills with multi-tasking ability.
- A team player and able to work under high volume in peak period
