Credit Analyst

4 days ago

Singapore EMIRATES NBD BANK (P.J.S.C) Full time
Roles & Responsibilities

Job holder assists the RM for client coverage for corporate and institutional clients, in the areas of credit assessment, client servicing and client due diligence. This is also an important role from a financial crime risk management perspective and is expected to assist the RM in managing all aspects of the client relationship most notably the financial crime risk in the portfolio.

Main Job Responsibilities

Credit Risk Assessment and Management

Assisting the RM and working closely with the risk team in managing the credit risk of the client portfolio. This involves:

  • Identification of key risks and structuring of facilities to mitigate the risks
  • Preparation of Facility Applications and annual / interim review of facilities including spreading of financials on Moody's Financial Analyst tool, performing financial analysis and confirmation of compliance to covenants and credit terms
  • Preparation of proposals for ad-hoc transactions and marketing clearance.
  • Ensuring all client documentation are duly executed and perfected.

Housekeeping and risk monitoring

Assist RMs in ongoing risk monitoring, including:

  • raising accounts on Early Alert as required, preparing early alert updates
  • handling excesses, seeking approval and following up with clients until regularization

Maintaining credit files

Transaction Execution

  • Assist RM in the implementation and execution of transactions including confirmation of conditions precedents met, and handling drawdown requests.
  • Assist RM in co-ordinating the execution of legal documentation including facility agreement negotiation, perfecting of security / collateral, liaising with external legal counsel, HO legal, other lenders, etc as necessary.
  • Assist RM in transactional approvals and monitoring

Client Servicing

  • Work with product partners, operations team, risk and compliance for a seamless service delivery of the bank's products to the client. This includes matters relating to payment investigations, account opening, loan drawdown / rollover requests, quotation of rates, balance enquiries etc.
  • Be the escalation point for client relationships, proactively solving issues and escalating appropriately to RM, local COO or local CEO as required.

Client Due Diligence and Compliance

  • Perform client due diligence and manage all aspects of financial crime risk in line with Bank's compliance policies such as "Know Your Customer" (KYC), Anti Money Laundering (AML), Sanctions etc.
  • Timely KYC and trigger reviews
  • Follow up on alerts triggered by ongoing transaction monitoring as necessary

Foster team work

Promote a culture of Teamwork within the Unit by:

  • Sharing best practice / sharing market information
  • Backing up team members in client servicing

Requirement

  • Bachelor's degree from a reputable university with Financial qualifications, knowledge of accounting & finance/law.
  • Min 3-5 years of Corporate Banking experience with knowledge of Trade Finance, Treasury, DCM Etc
  • Fresh graduates are welcome to apply.
  • Ability to do Credit analysis, legal documentation settlement, credit administration.
  • Good communication, interpersonal & written skills for both internal & external stakeholder engagement
  • Proficient in MS Office
  • Results-orientated, having initiative, takes ownership the responsibilities with positive attitude, keen to learn/acquire new knowledge.

Note that salary commensurate with experience.

Tell employers what skills you have

credit risk assessment
Negotiation
Treasury
Credit Risk Management
Due Diligence
Risk Assessment
Housekeeping
Anti Money Laundering
Risk monitoring
Risk Management
client servicing
Marketing
Trade Finance
legal documentation
Compliance
Banking
KYC
Credit Risk
Service Delivery
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