We're a leading international bank, with more than a 150-year history in some of the world's most dynamic markets.
We bank the people and companies driving investment, trade and the creation of wealth across Asia, Africa and the Middle East.
With 1,600 branches and offices in 70 countries, we offer exciting and challenging international career opportunities.
Job Title: Credit Analyst
Job Description
• Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
• Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
• Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
Responsibilities
Origination
Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Work with the RM, in:
a) obtaining all pre clearances like ER negativity, segmentation, etc.
b) preparing & presenting work-shopping note and
c) expediting approvals.
Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
Coordinate and prepare for GCC meetings
Liaise with GAM Credit for limit approval/allocation.
Seek necessary approvals for excesses in the account.
Post Deal Account monitoring
Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
Ensure timely submission of quality Quarterly Credit Reports
Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
Ensure Zero BCA over dues and extensions not breaching the required threshold.
Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
Proper maintenance of Credit files and ensuring Audit Ready at any time
Attend EAR/Portfolio call/MTM calls along with the RMs
In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
Others
Prepare timely Stress Tests wherever required
Prepare specific industry study
In partnership with the RM, approve the TAS request as per the bank’s policy (only FI specific).
Work on specific request from custody for limits (only FI specific)
Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
Prepare Credit Opinion reports wherever required.
Effective use of Creditmate & CRM
Qualifications & Skills
• Minimum of a 2nd Class degree in a relevant course.
• Strong credit and relationship management skills
• Good Communication and Interpersonal skills.
• Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
• Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
• Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
Responsibilities
Origination
Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Work with the RM, in:
a) obtaining all pre clearances like ER negativity, segmentation, etc.
b) preparing & presenting work-shopping note and
c) expediting approvals.
Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
Coordinate and prepare for GCC meetings
Liaise with GAM Credit for limit approval/allocation.
Seek necessary approvals for excesses in the account.
Post Deal Account monitoring
Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
Ensure timely submission of quality Quarterly Credit Reports
Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
Ensure Zero BCA over dues and extensions not breaching the required threshold.
Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
Proper maintenance of Credit files and ensuring Audit Ready at any time
Attend EAR/Portfolio call/MTM calls along with the RMs
In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
Others
Prepare timely Stress Tests wherever required
Prepare specific industry study
In partnership with the RM, approve the TAS request as per the bank’s policy (only FI specific).
Work on specific request from custody for limits (only FI specific)
Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
Prepare Credit Opinion reports wherever required.
Effective use of Creditmate & CRM
Qualifications & Skills
• Minimum of a 2nd Class degree in a relevant course.
• Strong credit and relationship management skills
• Good Communication and Interpersonal skills.
Job Title: CIC Generalist, Local Corporates
Job Description
• Primarily responsible for providing sales and post origination activities like documentation, reporting, etc by engaging with client, CRC, legal, compliance, etc
• Active engagement with client and also with the product partners to ensure high level of utilization of regular limits.
• Work with the Regional Manager and/or Team Leader on a specified portfolio and jointly responsible for the revenue growth.
• Ensure high standards of hygiene (including OR, Portfolio management, Credit risk, etc) in the portfolio
Responsibilities
Origination
Identify cross sell opportunities and work closely with Relationship Manager & Regional Manager to sell full range of CIC products and capture entire client value chain.
Work as an active member of an origination team involved in preparing pitch book, industry leads, etc.
In conjunction with RM and CA, prepare brief notes for senior management visits.
Document the client meetings attended by preparing a call report via the CRM system.
Ensure timely completion of account opening formalities of the client including collection of documents, signature verification etc., by liaising with operations & the CCM – Specialist teams.
Release the trade offerings in IMEX, after obtaining the necessary approvals.
Work in partnership with FM to setup FEDS/MUREX ID and ISDA request.
Client on-boarding & deal execution Ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
Liaising with Legal & Compliance, CRC and clients to resolve documentation issues or deviations for standard documents.
Obtain approval for modification in standard documentation wherever necessary from appropriate authority.
Ensure documentation is completed and the limits loaded properly to ensure faster execution of the transaction.
Work with the CDD team to ensure eCDDs are created and renewed on time.
Seek approval from various authorities for release of trade offerings and release the deal in IMEX.
Account Management and portfolio quality Actively engage with client and also with the product partners to ensure high level of utilization of regular limits
Work closely with product partners for coordinating client training for non lending products. (Client training to be conducted by Product Partners.)
Track past dues and excesses in the portfolio meticulously and ensure they are regularized on time. Any exceptions to be highlighted to CA and RM.
Seek necessary approvals, wherever required and release trade offerings on time to ensure faster TAT on trade transactions.
Co-ordinate with Ops / GSSC for any rectifying any ops related issues and issue SIFs wherever required within the authority.
Ensure document deficiencies are minimum (as reflected by DDR, GDR, etc) and are rectified on time.
Liaise with other banks for information sharing and seeking opinion reports and respond to NOC requests from other banks/NAK etc.
Liaise with FAM/GAM/RAM through Head, CCG for day to day account maintenance and operational issues.
Arrange for stock inspection/Valuation
Ensure correctness of data in SCI/CRM/CPPR, etc. Attend portfolio review meetings along with RM/CA/Team leaders
Track and action on Failed Trade Report.
Ensure compliance of all internal/regulatory policies & regulations.
Qualifications
• Minimum of a 2nd Class degree in a relevant course.
• Strong credit and relationship management skills
• Good Communication and Interpersonal skills.
• Primarily responsible for providing sales and post origination activities like documentation, reporting, etc by engaging with client, CRC, legal, compliance, etc
• Active engagement with client and also with the product partners to ensure high level of utilization of regular limits.
• Work with the Regional Manager and/or Team Leader on a specified portfolio and jointly responsible for the revenue growth.
• Ensure high standards of hygiene (including OR, Portfolio management, Credit risk, etc) in the portfolio
Responsibilities
Origination
Identify cross sell opportunities and work closely with Relationship Manager & Regional Manager to sell full range of CIC products and capture entire client value chain.
Work as an active member of an origination team involved in preparing pitch book, industry leads, etc.
In conjunction with RM and CA, prepare brief notes for senior management visits.
Document the client meetings attended by preparing a call report via the CRM system.
Ensure timely completion of account opening formalities of the client including collection of documents, signature verification etc., by liaising with operations & the CCM – Specialist teams.
Release the trade offerings in IMEX, after obtaining the necessary approvals.
Work in partnership with FM to setup FEDS/MUREX ID and ISDA request.
Client on-boarding & deal execution Ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
Liaising with Legal & Compliance, CRC and clients to resolve documentation issues or deviations for standard documents.
Obtain approval for modification in standard documentation wherever necessary from appropriate authority.
Ensure documentation is completed and the limits loaded properly to ensure faster execution of the transaction.
Work with the CDD team to ensure eCDDs are created and renewed on time.
Seek approval from various authorities for release of trade offerings and release the deal in IMEX.
Account Management and portfolio quality Actively engage with client and also with the product partners to ensure high level of utilization of regular limits
Work closely with product partners for coordinating client training for non lending products. (Client training to be conducted by Product Partners.)
Track past dues and excesses in the portfolio meticulously and ensure they are regularized on time. Any exceptions to be highlighted to CA and RM.
Seek necessary approvals, wherever required and release trade offerings on time to ensure faster TAT on trade transactions.
Co-ordinate with Ops / GSSC for any rectifying any ops related issues and issue SIFs wherever required within the authority.
Ensure document deficiencies are minimum (as reflected by DDR, GDR, etc) and are rectified on time.
Liaise with other banks for information sharing and seeking opinion reports and respond to NOC requests from other banks/NAK etc.
Liaise with FAM/GAM/RAM through Head, CCG for day to day account maintenance and operational issues.
Arrange for stock inspection/Valuation
Ensure correctness of data in SCI/CRM/CPPR, etc. Attend portfolio review meetings along with RM/CA/Team leaders
Track and action on Failed Trade Report.
Ensure compliance of all internal/regulatory policies & regulations.
Qualifications
• Minimum of a 2nd Class degree in a relevant course.
• Strong credit and relationship management skills
• Good Communication and Interpersonal skills.
Method of Application
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