Responsibilities
The Credit Analyst reports functionally to the Credit Manager of Regional Real Asset Infrastructure APAC and locally to the Co-Head of Real Asset Infrastructure APAC, based in Singapore, with the following responsibilities:
- Credit risk monitoring and reporting of the real asset and infrastructure credit exposures in accordance with EBA guidelines with a particular attention to ESG related matters.
- Active credit risk management and responsible of all necessary credit reviews, amendments, and waivers requests.
- Review, proposal and monitoring of obligor internal ratings and limits, and their potential concentration levels.
- Review loan documentation, related legal contracts and other information covenants including financial statements and project reporting.
- Analyse the construction progress or operating performance of the assets financed.
- Perform analysis and sensitivity runs on forecasts, budget and financial models.
- Active monitoring of portfolios to identify any potential early warnings and propose relevant solutions.
- Review, discuss and monitor the watchlist clients, provisions and work out situations associated.
- Identify industry trends and assess country, market and environmental risk.
- Various ad hoc tasks & reports, papers, as requested.
- Close interaction with Origination (Coverage, Financing Sectors and IBD), Sectors Heads, Portfolio Managers and Trading/Distribution (DCS) to facilitate the client business development.
- Liaise with other departments within the bank (back office, RISQ, DFIN etc.) as well as external contacts (borrowers, facility agents, advisers ie legal, technical, valuers and insurance.)
- Full compliance with RISQ and CPLE guidelines in the conduct of business.
Profile required
Academic Background and Certifications, Experience:
- 7+ years’ experience in structured finance.
- Strong risk analysis and understanding of all structuring issues relevant for structured finance during loan’s life including risk monitoring, provisioning and work out.
- Strong fluency in financial analysis, modelling and review of legal documents.
- Strong understanding of trends in the sectors covered within APAC.
- Deep knowledge of the internal procedures and regulatory compliance coupled with a good understanding of conduct & culture values and general strategy of SG/GBIS.
