Manager, Credit

4 weeks ago

Singapore Icbc Standard Bank Plc Singapore Branch Full time

ICBC Standard Bank Plc (ICBCS) is 60% owned by Industrial and Commercial Bank of China and 40% by Standard Bank. ICBCS benefits from a unique Chinese and African parentage and an unrivalled global network and level of expertise.

ICBCS is a leading financial markets and commodities bank, driven to deliver the right outcomes for our stakeholders, clients, counterparties and the markets in which we operate. We deliver products in an environment which considers the appropriate needs of our clients, whilst providing guidance and expertise to ensure our employees understand our business and uphold the highest levels of conduct.

Headquartered in London, ICBCS also has operations in Shanghai, Singapore and New York.

At ICBC Standard Bank, we share the same values, challenges and opportunities. We are a diverse, close-knit, global team with a unique heritage and purpose. We put people first, and give talented, self-driven professionals the flexibility, rewards and freedom to grow their expertise, seek new opportunities and realise their potential.

Division Summary:

Based in Singapore, the Asia Credit team supports ICBCS's activities with Asian-focused clients, covering roughly half of the Bank's business flows. The team forms part of the bank's global Credit function, including teams based in London (the Bank's global headquarters) and plays an increasingly important role in bridging the gap between ICBC Group's activities outside of Asia and the London office.

Job Purpose:

Independently manage a dedicated credit portfolio of Asian Corporate and/or FI clients, associated with lending, trading, and investing activities across Commodities and FIC business lines.

Key Responsibilities:

Full ownership of the portfolio's risk profile, including the origination of credit papers and credit ratings, full risk analysis and risk appetite recommendation, approval under own delegated authority or presentation to Credit Committee. Provide assistance and oversight to other corporate credit analysts when necessary. Responsibilities may also include coordination and communication with ICBC Head Office in respect of Credit Risk related matters when required.

Asian focused portfolio including Greater China (including privately owned and state-owned enterprises). Covers a range of sectors including but not limited to:

  • Base, precious metals and energy smelting / refining
  • Precious, base metals and bulk commodities trading
  • Diversified industries

Products include:

  • Physical commodity prepayments, leases, tolling, consignments, repos and trading
  • Margined and unmargined OTC and exchange-traded commodities derivatives
  • Long-term rates and FX hedging for corporate debt facilities and project / asset financings
  • Single stock equity forwards/repos, structured lending

Day-to-day responsibilities:

  • Covenant and conditions setting and monitoring
  • Developing an understanding of the core features of documentation and emerging market jurisdictional challenges (ISDA/CSA, Futures & Options Agreements, Letters of Credit, Physical Sale and Purchase Contracts, Loan / Prepayment Agreements, SBLCs etc)
  • Daily management and escalation of portfolio irregularities
  • Assisting in the management of any problem credits in the portfolio
  • Clear articulation of risk appetite and providing guidance on deal structure as necessary
  • Participate in projects as delegated from time to time
  • Coordination with ICBC Head Office on specific names

Required Skills, Knowledge, Experience and Values:

Knowledge, technical skills and expertise

  • Technically proficient in the interpretation and analysis of audited financial statements for Corporate entities and / or FIs
  • Strong credit risk analysis skills and the ability to provide quantitative and qualitative risk assessments.
  • Familiarity with Credit Rating Models, including incorporating PDs & LGDs in credit analysis Prior experience undertaking credit analysis of Corporate clients and / or FI counterpartiesfor a recognized Financial Institution.
  • Good understanding of lending and trading / derivative products , including the generation of related credit risk exposures
  • Understanding of wider risk aspects, including legal, compliance, operational and reputational risks.
  • Experience of operating within a personal Delegated Authority framework would be an advantage.

Personal attributes:

  • Fluent in written and spoken Mandarin to assist in communications with other ICBC Offices and our Chinese client base.
  • Flexibility and proactivity.
  • Professional and confident to engage with senior management and external clients.
  • Attention to detail
  • Ability to present information clearly and concisely in written and verbal form
  • Willingness to take decisions independently but comfortable working in a team environment.

The role would suit someone who:

  • Is able to communicate clearly and with good attention to detail
  • Proactive, flexible and eager to be part of an established global markets and commodities franchise

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