Asia-Pacific Credit Department
We are looking for a professional to join the team.
Asia-Pacific Credit Department (APCD) is responsible for sound quality of credit portfolio through credit review of non-Japanese corporate (including joint ventures of Japanese corporates and non-Japanese corporates), non-Japanese financial institutions and sovereign customers as well as transactions with them, monitoring and active management of risk appetite framework in the Asia Pacific region. The countries/areas to cover are Singapore, Malaysia, Indonesia, Thailand, Philippines, Vietnam, India, Australia and other countries in the South East Asia, South Asia regions and Oceania regions. It also covers various financial products including project finance, real estate loan, and securitization in the whole APAC (ex. Japan) regions.
Your key roles & responsibilities include:
1. Credit Review
· This role mainly covers Singapore corporate finance, real estate finance and fund finance in the APAC region
· Making independent and effective recommendations on credit proposals and credit related matters to the management in Singapore based on the credit reviews and analysis
· Assigning credit ratings to customers in accordance with the rating procedures and other relevant rules of the Bank
· Performing periodical (annual and quarterly) and special credit reviews and assessments required by procedures of the head office
· Gathering credit and related information on the customers or industry, from internal and external sources (e.g. customers of the Bank, buyers and suppliers, public authorities and institutions, credit agencies, other banks, etc.)
· Liaising with other credit departments in other regions including Japan to review transactions of customers whose JV partners or sponsors are from such regions
· Performing any other duties and projects as assigned
2. Communication with head office
· Liaising with the head office in Japan (1) to reflect the head office’s strategy, procedures and risk framework on the daily credit review works conducted by APCD, (2) to deliver our observation about quality of the portfolio for head office’s strategy, and (3) to reflect expected credit cost into our group’s budget and financial disclosure
· Estimating credit cost based on the customers’ credit risk profile and economic circumstances through close contact with various counterparties of front offices in the region
· Familiarizing colleagues in APCD with procedures and policies released by various departments of the head office
· Reporting various credit matters to the head office for regulatory purposes required in Japan such as credit cost issues, ESG issues and any other ad-hoc issues requested by the financial authority
· Supporting senior managements of the Bank both in the head office and the regional head office for establishing their strategy from credit risk analysis on individual customers, overall portfolio and the overall market
3. Other Supporting Function
· Supporting the management of APCD on various matters including administrative requests
· Liaising with various department in the head office and Singapore for general administrative requirement of APCD including but not limited to, handling APCD’s sundry assets (physical items like desks or paper based files etc as well as intangible items like customer information) sundry budget handling, sundry human resource admin matters handling and data storage.
What you should have:
· A Bachelor’s Degree
· Deep expertise in real estate finance and fund finance
· Credit review experience in non-recourse finance or corporate finance
· Basic accounting knowledge, financial analysis skills and banking products knowledge to perform proper analysis of risk profile of customers and transactions
· Proficiency in Microsoft Office applications, including Word, Excel, and PowerPoint
· Strong interpersonal and business writing skills
· Experience of working in the head office of a financial institution for establishing the institution’s business strategy and risk management framework is advantageous for liaising with the Bank’s head office is desirable
· Knowledge of compliance requirement by Japanese regulators are advantageous
· Fluent English is necessary
· Speaking/writing skills of Japanese is advantageous
