Assistant Vice President (Credit Analyst) - International Credit Division
April 4, 2021
Evaluation of credit applications, internal borrower ratings and transaction proposals for new or existing Global Corporates clients. This includes reviewing transaction material and the analysis submitted by the Business, where appropriate challenging assumptions and conclusions.
Providing solutions and adding value to the Business by engaging in client and transaction discussions, due diligence, giving clear guidance on policy and risk appetite, and influencing transaction structures and facility terms & conditions to mitigate risk.
Engaging with the Business at an early stage on pipelines and potential transactions, forming a view on these and as appropriate, discussing and presenting these to ICD senior management. Attend internal deal screening committees and communicate credit views and challenges on proposals.
Present transactions in a concise and clear manner to senior Business and ICD management both locally and overseas, evidencing deep knowledge of the client, transaction, regional market, and risks & mitigants. Provide clearly articulated views on whether a client and proposal is bankable and if not, where appropriate, providing alternatives and risk mitigating solutions.
Work collegiately with all stakeholders across divisions, building a network of trusted relationships. Work closely with the Business and attend meetings with them on transactions, providing clarity and strong guidance and direction on risk appetite.
Active involvement in term sheet, loan documentation and ISDA/CSA review and discussions with Business stakeholders, influencing credit terms where appropriate, ensuring these are acceptable from a risk and commercial standpoint.
Proactively track and monitor allocated portfolio from sector and country perspective, and where issues are identified, elevating these to internal stakeholders. Work with the Business to formulate mitigating actions where material risk issues arise.
Support new initiatives by the Business providing guidance from a risk perspective. Involvement where appropriate in the development of credit and policy guidelines and participation and support on assigned projects including contribution to change initiatives to drive efficiencies.
Bachelor Degree or above in finance/ accounting related dicipline.
5-10 years of relevant financial sector and risk management/ credit analysis experience.
Experience in assessing and dealing with corporate finance is required, as well as experience in dealing with deteriorating and/or impaired loans, preferably across a number of jurisdictions in East Asia.
Requires product knowledge and competence in the analysis and documentation of traditional and leveraged lending, including real estate related finance, trade finance, structured transactions and traded products, including derivatives and securities financing transactions.
Logical writing skills, sound knowledge and experience in risk analysis and formulating recommendations on credit proposals across a broad range of client types, including corporates, financial institutions and sovereigns.
Good understanding of different sector risk dynamics, drivers and fundamentals, with an ability to apply this in the analysis of counterparty success factors and business and financial risk.
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