AVP - Credit - Singapore

Join UAE’s largest bank and one of the world’s largest and safest financial institutions. Our focus is to create value for our employees, customers, shareholders and communities to grow through differentiation, agility and innovation. We are looking for top talent and your success is our success. Accelerate your growth as you help us reach our goals and advance your career. Be ready to make your mark a top company, in an exciting & dynamic industry. 

JOB PURPOSE:

This role is to assist the Head of Credit, South-East Asia in managing the local credit process, as well as the portfolio. The role holder will perform and/or supervise all tasks related to the credit process inclusive of qualitative and quantitative credit risk analysis, writing and presentation of credit proposals as well making appropriate credit recommendations. The role holder will ensure compliance with the credit policies and strategy guidelines. The role also involves supporting the Head of Credit, South-East Asia in the formulation and implementation of the credit portfolio strategy and / or other projects from time to time.

KEY ACCOUNTABILITIES:

• Proactively drive discussions with Product, Coverage Team, other internal stakeholders and clients with the aim to thoroughly understand the rationale and justifications for all credit requests.
• Ability to rope in and address relevant issues from diverse product and industry perspectives and articulate to relevant stakeholders.
• Provide feedback on structuring lending transactions in line with Group appetite.
• Analyzing financials and ensuring annual reviews and credit packages are on schedule and as per the bank's policies.
• Developing independent assessments of the appropriate risk rating for the reviewed clients and recording analyses and conclusions with recommendation to the Head of Credit, South-East Asia. To ensure that risk rating policy is properly implemented and risk rating acceptably reflects the risk profile of the credit.
• Monitoring credit trends in the branch’s portfolio and reporting observations to the Head of Credit, South-East Asia.
• Conducting due diligence in an objective manner to ensure that all major aspects and risks of the credit have been addressed and assessed.
• To assist Head of Credit, South-East Asia in responding to queries raised by auditors (internal and external) on particular portfolios, past credits reviewed, policy matters, credit system questions, provisioning etc.
• Scrutinize credit files for completeness, consistency, and timeliness of information and highlighting exceptions for correction to the Head of Credit, South-East Asia before the approval is sought from CEC.
• Proactive monitoring of credits for early problem recognition.
• Meet clients to understand their business and industry, discuss specific transactions, seek general credit updates and formulate a credit opinion and strategy.
• To support the Head of Credit, South-East Asia and Regional Head of Credit, Asia in localisation of the Group Credit Policy and ensure the local country addendum covers all MAS requirements.
• Proactively identify propose remedial strategies for problem credits.
• Undertake ad-hoc projects or duties as assigned by Head of Department.

• Degree Business, Accounting, Finance or relevant discipline.

Knowledge & Experience:

• At least 10-15 years of experience in similar capacity with APAC Region exposure
• Good understanding of South-East Asia market and landscape would be preferred
• Strong knowledge and experience in structured trade / commodity finance

Skills:

• Proven financial analytical skills to identify and evaluate credit risks in large corporate transactions
• Demonstrated ability to understand and identify key risks/ mitigants at transactional, product & industry sector level
• Effective influencing skills to ensure proper structuring and deal approval across product and credit approval chains.
• Ability to work independently & is self-motivated
• Strong communication and interpersonal skills
• Commercial aptitude, good at MS Excel, financial modelling, cash flow projections
• Project management, problem solving and people skills
• Strong experience working across teams to deliver consistent outcomes
• Proficient in Mandarin or Bahasa would be added advantage
• Conceptual abilities
• Leadership skills

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