Job Summary / Job Purpose
Cooperate with Coverage or BLs in preparing credit applications/annual reviews; assist in credit documentation and follow up the post-approval management in client risk profile.
Main Responsibilities / Accountabilities / Tasks
? Evaluate credit facility requests raised by CRMs or BLs according to bank’s risk appetite and strategy.
? Undertake first level credit analysis, credit due-diligence and completion of credit files.
? Expedite and monitor the credit file approval process.
? Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients.
? Review and assess obligor rating at least annually, or as driven by special events.
? Address inquiries from RISQ or other internal parties timely and responsively.
? Maintain clear and updated documents in all credit files including financial statements, latest financial spreading, credit applications, validation records, internal and correspondence, etc.
? Assist in special credit related assignments and projects as required.
? Back up and support other credit analysts where needed.
? Experience of credit analysis in commodity sector is definitely a plus.
Academic Background (degree & major):
Bachelor degree or above, major in finance, accounting or economics preferred
Working Experience /Technical Skills & Know how:
? +8-year working experience in banking industry
? At least 5-year experience in corporate credit analysis
? Strong accounting and financial analysis skills
? Good knowledge on commercial banking products
Skills & Competencies: Good interpersonal & communication skills
Language Skills: English/Mandarin – Fluent in both speaking and writing
Computer Skill: Well versed in MS Office applications (Word, Excel, PowerPoint is a must