Job Description :
- To independently review and assess several types of credit applications submitted from business units; and to make concise but adequate executive summary to seek approval from relevant authorities.
- To establish an adequate action plan for credits likely to deteriorate to minimize credit costs.
- To manage and maintain the accuracy of registration of credit monitoring system and client database, and to instruct business units to modify data if necessary.
- To conduct credit portfolio analysis in terms of countries, corporate groups, industry commodity / segments, currency risks, internal grading, type of financial product, etc. from time to time.
- To monitor and proactively control credit exposures under large scale companies and/or certain sectors for increased concern on concentration risks, in cooperation with other relevant teams / departments.
- To discuss direction of potential deals with business units following head office’s credit policy and credit appetite.
- Any other duties as may be assigned from time to time.
- For note, no approval authority is given initially, but will be considered in future depending on performance and experience
Job Requirements :
- Bachelor's degree; qualifications and/or working experience in corporate finance, financial analysis, credit risk management.
- Strong working experience in credit analysis / credit approval department of financial institutions, rating agencies, etc.
- Strong credit analysis and due diligence skills. Ability to prepare clear and concise credit recommendations.
- Excellent organising and planning skills. Team player attributes.
- Ability to work under tight timelines.
- Excellent communication skills (written and spoken)
