Analyst, Credit Administration

Requisition ID: 195723

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

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Purpose_**

Contributes to the overall success of the BNS Singapore Branch / BNS Australia Branch / Group Treasury Singapore / Corporate Loans and Corporate Trade Finance in Singapore and Australia ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures.

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Accountabilities_**:

- Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
- Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
- Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.
- Champions a high performance environment and contributes to an inclusive work environment.

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Specific Role Accountabilities_**
- Handle entire Credit Admin Functions for Singapore Branch - Corporate and Trade Finance accounts & Sydney Branch Trade Finance accounts
- Act as a back-up for the Credit Admin Functions for BNSAL and BNS Australia, if required
- Conduct the following functions for new borrowers / facilities or renewals/ refinancing:

- Coordinating for the local authority credit approvals
- Preparation of Limit Input Forms attaching relevant authorizations and other required correspondences for limit set up in the source system as per the terms of credit approval.
- Liaising with Agent / Relationship Managers / Credit Execution / Clients in completing the documentation process
- Reviewing collateral documentation to ensure that Condition Precedents have been met and documents are in order prior to disbursement of funds.
- Tracking and coordinating with Credit Execution on timely receipt of various documents relating to Conditions Subsequent
- Preparation / co-ordination in preparing Form 28 and submission to EO for their files
- Liaising with Operations (as custodian) to ensure proper lodging in of security documents listed in accordance with the Form 28.
- Conduct the following functions for all ongoing accounts / facilities:
Disbursement related activities:

- Ensuring that all drawdown requests meet the requirements as per loan agreements / the Bank’s polices & procedures
- Preparing funding memos for all drawdowns and rollovers
- Liaising with Agent / Relationship Managers on all drawdown matters to ensure timely disbursements of funds
- Liaising with GWO for all drawdowns/rollovers/rate-setting

Repayments and monitoring activities**:

- Follow up for the non-receipt of funds and reimbursement of late payment compensation
- Monitoring all loan maturities
- Monitoring of loan limits and ensuring no overruns. In the event of overrun, the matter is duly escalated to Origination & execution teams along with the senior management.
- Monitoring limit expiry / annual review of all accounts / facilities
- Maintaining comprehensive and B/F diary

Documentation related activities:

- Tracking and coordinating the timely receipt of various documents as per the Covenants for each facility
- Acts as an alternate custodian to ensure in/out of all collateral held by the Bank; Temporary retrieval of documents is required depending on various requirements, including Audit, reviews, etc.

Miscellaneous:

- Updating periodic reports of account activities as required from time to time by Financial Reporting
- Housekeeping of filing storage, co-ordinates and maintains proper records / control of old credit files and documents to be sent to warehouse for storage
- Preparation of the following reports:
Prepares / participates / co-ordinates the periodic monthly, calendar & fiscal quarter, half yearly and full year reports, and ad-hoc reports for local management, regional senior management as well as local regulatory authorities. These reports include (but not limited to):

- Customer Data and TFFI data - Monthly
- Accounts Requiring Attention - Monthly
- Annual Review Overdue Reports - Monthly
- Ranking Reports - Monthly
- Closely Watched accounts - Monthly
- Any ad-hoc reports as requested by the local management, regional senior management as well as local regulatory authorities
- Regulatory Reports/Surveys
- Top 100 Borrower Group exposure report - Half Yearly
- Credit Migration report - Half yearly
- Commodities survey - Half Yearly
- Support Singapore / Group Treasury in the following functions:

- Monitoring Limit Expiry / Annual Review of credit facilities for Treasury
- Coordinating MAS 6