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 (ex. Japan).
We are looking for a professional to join the team. Your key roles & responsibilities include:
1. Credit Review
· This role mainly covers securitization
· Supplementarily project finance and corporate finance are also to be covered
· 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 in Japan
· 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
· At least ten years of banking experience
· Sufficient experience in securitization business
· Business promotion experience in corporate finance is desirable.
· Basic accounting knowledge, financial analysis skills and banking products knowledge to perform proper analysis
of risk profile of customers and transactions
· Business-level proficiency in both English and Japanese for smooth communication with Tokyo head office and
various branches in Japan and the region
· Proficiency in Microsoft Office applications, including Word, Excel, and PowerPoint
· Strong interpersonal and business writing skills
· Experience of working in Japanese corporate banking environment is advantageous to properly understand
corporate policy and procedures as well as to familiarize colleagues in APCD and in front offices with them
· Knowledge of compliance requirement by Japanese regulators are advantageous
