We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It’s about showing how you embody our valued behaviours – do the right thing, better together and never settle – as well as our brand promise, Here for good.

We’re committed to promoting equality in the workplace and creating an inclusive and flexible culture – one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

Responsibilities

Origination

• Interact with the client, gather deal requirements, financial statements for performing quality analysis and due diligence
• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products
• Work with RM in a) obtaining all pre clearances like ER negativity, segmentations, etc b) preparing & presenting work-shopping note and c). expediting approvals
• Responsible for end to end BCA process.
• Ensure compliance of all internal and regulatory credit/other portfolio related policies.
• Liaise with GAM credit for limit approval/allocation. Release the trade offering in IMEX under the delegated Authority from the Segment Head, after obtaining the necessary approvals.
• Seek necessary approvals for excesses in the account.

Post deal account monitoring

• Monitor quality of the portfolio by tracking excess/past dues, strictly complying with ASTAR, EAR processes.
• Ensure timely submission of quality Quarterly Credit Reports.
• Monitor Risk triggers, Covenants and other credit conditions and report appropriately.
• Ensure Zero BCA over dues.
• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
• Proper maintenance of Credit files and ensuring Audit Ready at any time
• Attend EAR/Portfolio/MTM calls.
• In partnership with the relationship manager, ensure timely identification of account to be put in EAR as per the bank’s policies and guidelines.
• Prepare timely stress tests wherever required
• Prepare specific industry study wherever required.
• Prepare Credit opinion reports wherever required.
• Effective use of credit mate & RMWB.

Monitoring and Controls

• Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that liad down procedures/Policies are complied with any deviations to be escalated to Unit Head/ Head Credit & Operational Risk Controls/Credit
• Oversight on CIC/ASTAR process. A proactive approach to identifying EAR accounts – No sudden slippages into GSAM.
• Ensure to remain alert to the risk of money laundering and assist in the Banks efforts in combating it by adhering to the key principles in relation to : identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk.

Our Ideal Candidate

• Degree in Business/Commerce/Economics preferred, however a degree in a science or other related field where analytical skills are gained is acceptable
• ACCA/CPA qualifications are an added advantage
• Strong Relationship Management skills
• Credit Risk Analysis Skills