Associate VP

Purpose of the role Responsible for conducting a thorough independent review of Non-Japanese credit applications, that are to be booked on the Branch’s balance sheet, from Singapore and or overseas branches. Carry out the necessary covenant compliance checks and credit monitoring in order to mitigate credit risk to the Bank. Job Responsibilities: Develop and maintain strong stakeholder management with key stakeholders both within Bank and externally. Work in partnership with front office (relationship manager) and or the overseas branches to review credit applications and obtain customer contact reports (For Offshore account ONLY). Work in partnership with ICD/SFCO to understand credit applications and borrower ratings and ensure that there is concurrence on reviews. Work with the front office (relationship manager) to provide guidance and support on the credit review process, understand the details of the transactions and resolve any outstanding queries. Work with Corporate Research to obtain information, where necessary, to understand the customer and the market. Work with Credit Planning Department to carry out stress testing in order to assess the level of credit risk to the Bank’s portfolio. Provide guidance and support to less experienced members of the team and arrange necessary training. To lead a team (covering Japanese corporate accounts) and to provide guidance to the junior staff in the department (where applicable). Handle MAS queries (regular inspection or ad-hoc basis) on borrower’s financial status or any credit –related matters. Perform a review for credit applications and credit amendments and carry out the necessary covenant checks. Conduct detailed analysis and extensive screening when determining borrower ratings for customers. Provide solutions on the handling of accounts where downgrading of borrower ratings may be considered, taking into account both internal and the local regulator’s ratings. Carry out financial modelling to assess the credit worthiness of applications and to determine the impact on the Branch’s balance sheet. Perform back testing as evidence to confirm initial projections on credit exposure. Attend credit committee to explain new and/or problematic transactions in detail to Management (if necessary). Track the status of the customer contact report and highlight if additional credit checks are to be carried out by the overseas branches in the event of any changes e.g. to the economic environment (for Offshore Account ONLY). Support in developing and updating policies to ensure alignment with all relevant regulations. Develop recommendations for continuous improvement and support implementation for credit review process matters. Support in managing the risk profile for the department. Support internal and external audits within the department by preparing documentation as required. Maintain good working knowledge of industry trends, products, relevant laws and regulations. To carry out the internal credit/department related project assigned by CBCD Head and or HOD. Ensure strict adherence to internal and regulatory policies with regards to credit matters. Job Requirements: A minimum of 3 years' experience as a credit analyst within the finance industry. Experience in reviewing and preparing credit applications, conducting financial governance checks, and assessing borrower ratings. Strong analytical skills with the ability to interpret large, complex data sets and identify their business implications. Excellent communication and presentation abilities, with a talent for influencing and engaging stakeholders. Comprehensive knowledge of various industries and the broader economic environment. Solid understanding of banking products and associated risks. A Bachelor's degree or higher academic qualifications. This advert is posted and reviewed by Resource Solutions India Private Limited, trading as Robert Walters. As we are continuously hiring for all our clients in the region, we will retain your CV in our database for any other positions that may fit your profile. Therefore, please let us know if you are not agreeable to that.