Manager - Credit & Syndications / Credit Analyst

2 weeks ago

Singapore State Bank Of India Full time

Responsibilities:

  • Generation and sourcing of business leads for the branch and to achieve the budgeted target set in Halogen by active marketing.
  • Attend road shows arranged for various companies (both India Based and Foreign entities), subsequent follow up with other MLABs and participants related to syndicated loans.
  • Preliminary scrutiny of credit proposal based on the deal details.
  • Responsible for preparation of appraisal memorandum of a borrower entity.
  • Classification of various items of P&L, balance sheet of the borrowing entities as per Bank's instructions and the applicable accounting standards and preparation of CMA.
  • Analyze financial statements and credit profile including industry and management parameters to determine the degree of risk involved in extending credit or lending money.
  • Preparation of credit applications and annual credit reviews involving in-depth analysis of customer's financial standing, industry review, business outlook, risks and opportunities.
  • Collation of data on the company and its rating and opinion reports.
  • Compare liquidity, profitability, and credit histories of establishments in the same industries and geographic locations
  • Analyze and provide input on loan policy issues and credit structures, ensuring that the final credit proposal to be presented is mutually acceptable
  • Appraise, process loan deals emanating through origination, participation, and sub participation, secondary market deals - for sanction by respective authority.
  • Timely submission of Control Report.
  • Credit Risk Assessment borrower wise/ guarantor-wise and facility wise to ensure correct classification of financial data.
  • Track market trends and outlook on various industries and countries.
  • Monitor business and income levels of credit portfolio of the branch.
  • Prepare and submit control report and Action Taken Report on the observations/ conditions, stipulated by the sanctioning/ reviewing authority.
  • Draft sanction letter to the borrower or commitment letter to MLAB.
  • Attending to Internal and External Audits including our Inspection & Audit Department (IAD), and ensuring their timely remarks/compliances.
  • Carry out KYC due diligence on the borrower, directors and other officials as required by the KYC policy of SBI Singapore.
  • To carry out timely review/ renewal of the credit facilities.
  • Recommend for amendments in the Facility terms as sought by the borrower(s) and /or other banks in accordance with laid down norms.
  • Liaise with Treasury / Accounts / Finance / Credit admin / Risk Management team to get regular updates on reference rates, cost of funds, yields, exposure levels, sectorial outlook.

Requirements:

  • Qualification Degree or equivalent, preference will be given to those who have done courses related to Banking preference will be given for applicants with professional qualifications viz., CA, FCA, MBA /MSc (Finance) and/or relevant Financial certifications
  • Minimum Banking experience of 5-10 years in fields of Credit and Syndication markets
  • Strong understanding of financial compliance
  • Sound knowledge of banking systems/ processes/ procedures
  • Sound Knowledge of commercial credit products
  • Good managerial skills and analytical mind-set
  • Dynamic personality to work with the team and provide guidance to others.
  • Good management skills and analytical mindset one who can effectively analyse a situation and make decisions to address issues/problem.
  • Excellent communication and inter personal skills with the ability to interact with all levels of staff and top management

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