SENIOR OFFICER, CORPORATE BANKING

[Job Description where it is an outline of work performed]

Iyo Bank Singapore Branch is the branch of Iyo Bank, one of Japan's leading regional financial institutions. Singapore office plays a key role in supporting global clients with sophisticated financial solutions particularly in the area of ship finance, which forms the core of our overseas business. As part of our ongoing operations in Singapore, we are seeking a Senior Officer, Corporate Banking to support credit assessment and risk management activities related to corporate lending and ship finance transactions.The successful candidate will support the bank's credit and risk management functions, working closely with relationship managers, clients, and internal stakeholders to ensure prudent risk assessment and compliance with internal policies and regulatory requirements.

1.Assess loan applications and evaluate borrowers creditworthiness through financial statement analysis and risk assessment, including cash flow projections, ratio analysis, and basic stress testing, with a focus on corporate lending and ship finance related transactions.
2.Prepare credit proposals, credit review reports, and approval memoranda for internal credit committees, and perform due diligence on corporate and individual borrowers, including background checks, business risk reviews, and transaction-related assessments, in accordance with internal policies and governance frameworks.
3.Monitor existing loan portfolios to ensure compliance with financial covenants and internal credit conditions, and support the early identification, review, and reporting of potential credit deterioration.
4.Review and support the preparation of legal and security documentation such as loan agreements, guarantees, and collateral arrangements, working closely with relationship managers and internal or external legal advisors.
5.Liaise with clients, relationship managers, and internal teams throughout the loan approval, documentation, and post-approval processes to ensure smooth execution and appropriate risk controls.
6.Support risk management and middle office activities related to ship finance transactions, including post-financing monitoring, periodic credit reviews, internal reporting, and coordination with treasury-related operational activities such as funding, currency exposure, and settlement matters.
7.Coordinate and communicate with head office and relevant departments in Japan to align credit assessments, documentation standards, and reporting requirements with group policies, and ensure compliance with applicable regulatory requirements in Singapore and Japan.

[Job Requirements where it is an essential responsibilities, qualifications, experience and skills to perform the job]

1.At least 5 years of experience in credit analysis, risk management, or middle office functions within the corporate banking business of a financial institution, with relevant experience in the last 3 years. Expert knowledge and experience in Singapore and Japanese financial market, as well as knowledge and working experience financial statement analysis, cash flow assessment, credit evaluation, and preparation of internal credit or risk-related documentation are required.
2.More than 3 years of experience in ship finance, asset-based finance, or structured finance transactions is required, particularly in supporting credit assessment or post-financing monitoring activities. An in-depth understanding on the global shipping market and knowledge of recent market trends, such as charter rates, second-hand prices, trends in ship finance and interest rates are also essential for this position.
3.Familiarity with risk management frameworks, internal credit policies, and regulatory or compliance requirements applicable to banking operations in Singapore and Japan.
4.More than 3 years of experience working in a Treasury department with some exposure to treasury related operational activities, such as coordination on funding, currency settlement, FX Transactions, or liquidity-related matters in a financial institution. Candidates are required to have handled US Dollars, Singapore Dollars, Japanese Yen, and Swiss Francs as Call Money or Currency Swap.
5.Ability to liaise and coordinate effectively with multiple stakeholders, including relationship managers, clients, legal advisors, and internal departments.
6.Demonstrated experience in handling more than 5 credit review or loan monitoring cases concurrently, including the preparation, review, and submission of credit-related documentation in accordance with internal approval timelines and governance requirements.
7.Experience in working with or coordinating with a globally listed head office and overseas regional teams, including following group policies, reporting requirements, and internal approval processes.
8.Strong attention to detail, good organisational skills, and the ability to manage multiple tasks in a controlled and compliant manner.