Job Description:
Preparation of credit proposals with comprehensive analysis in line with the bank’s policy including :
- Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, waivers/amendments, refinancing and annual renewals.
- Provide recommendations tied to analysis and assessment of credit risk
- Present analysis, findings, and recommendations to credit committee, especially findings that involve a borrower’s ability to repay
- Develop and prepare spreadsheets and models (e.g. cash flow projections) to support analysis of new and existing credit applications.
- Risk analysis on the counterparty and specific transaction.
- Reconcile credit files/approvals and identify and respond to discrepancies and variances.
- To initiate and follow up with other business lines and functions, such as Fixed Income, Syndication, Project Finance, Portfolio Management for the concurrence on the facilities in accordance with the credit procedure.
- Account Strategy in liaison with the RMs.
- To discuss and interact with business lines from time to time on information required and the strategy to be adopted in presenting the credit packages. If necessary, to attend site visits or meet clients jointly with the marketing officers to enhance their understanding in the course of credit application.
- To follow up and perform interim financial review or utilization review in accordance with approval conditions.
- To comply with regulatory requirements and internal policies and guidelines.
To assist RMs in account monitoring area:
- To report immediately any material deterioration in financial position upon receipt of financial statements, or adverse news of clients to RMs and Risk officer.
- To perform compliance of financial covenants /other undertakings on a regular basis and to have the results inputted in system.
- To follow up and perform interim financial review or utilization review in accordance with approved conditions.
To perform administration work for files under his/her management including:
- Preparation of authorization tickets, group positions and resumes.
- Ensure the proper filing in public drive and systems.
- To liaise with RMs and initiate file renewal in advance of file maturity or any designated date.
- To update work-in-progress.
To attend to ah-hoc assignments:
- To support transversal project or other credit analysts in the team as assigned by Team Head from time to time.
- Ad-hoc reporting or updates requested by Regional office or Head Quarter.
- Responsibility and contribution to control aspects.
