Responsibilities
Strategic
- To prepare credit reviews, credit applications, waiver requests, borrower ratings which include rmendations, within due dates, in accordance to the Bank's internal guidelines and credit appetite. When producing the review or application, sound credit analysis, sensitivity analysis on financial models (to ensure it remains accurate and relevant), and examination of the key points and concerns will have to be clearly articulated so the credit offices can understand the key points.
- To undertake appropriate identification of early warning indicators, risks issues, close monitoring of and reporting on the status of the borrower and underlying project conditions, including escalating to appropriate departments where applicable. To prepare and host monthly Close Watch meetings.
- Actively managing the overall risk profile of the borrower, effective obligor or transaction and to rmend changes where necessary to mitigate risks.
- To prepare borrower ratings and cash flow projections in rating reviews.
- To play an active supporting role on refinancing and potential work-out transactions, where required.
- To actively support the negotiation of waiver terms and amendment documents, where required.
- To co-work on secondary loan transfers and loan participation, where required.
- To prepare regular reports, including but not limited to credit conditions and instructions, action plans, stress tests, sector monitoring reports, Asset Evaluation Sheet, presentations to management or creditmittee. To prepare ad-hoc reports related to the portfolio that has a financial impact to the Bank, or as requested by Management / Head Office or Regulators.
- Coordinate and prepare for internal and external audits or regulatory inspections.
- Support the Team Leader and HOD in the Team's operations, administration duties, organizing events as well as to provide back-up support for other team members, when required, as well as to participate in ad-hoc projects under the Bank's initiatives.
- Adhere to allpany policies as well as guidelines. Including supporting KYC andpliance requirements.
- Support in maintaining, developing and updating local credit policies to ensure alignment with all relevant regulations.
- To identify industry, economic and sector trends and developments which can impact the portfolio.
- To represent AIBD AFD and Global Aviation Finance Office (GAFO) on interactions with and reporting matters to branches and local regulators.
Financial
Support the delivery of timely process improvement initiatives for the Team.To support AFD team for credit assessment and onboarding of new clients and rmend appropriate Borrower Rating for the clientCustomer
Deliver a high quality of service to internal and external stakeholders to enhance the Bank's reputation and to meet customer's expectations.Liaise and collaborate with customers, agents, external consultants, auditors, regulators and others to ensure that the Team may perform its functions in an appropriate and timely manner.To work in partnership with and liaise with origination / structuring teams, relationship managers / sector coverage, credit teams, middle offices, overseas / regional branches, subsidiaries, affiliates and other departments to support the Teams' responsibilities and matters relating to transactions under the portfolio.People
To guide fellow team members on internal policies, procedures and knowledge sharing. To mentor junior members of the team.To liaise with various departments and work together with GAFO as a global aviation team.Other / Control
Toply with relevant MAS regulations and MUFG group policies.Job Requirements :
Degree qualified.Professional qualifications such as CFA or FRM would be an advantage.Minimum of 6 years' experience in credit analysis or credit risk (in similar Structured Products financing or Corporate Banking).Experience in reviewing and preparing credit application rmendations, waiver requests, reviews of credit controls and legal documentation .Strong organisation skills and attention to details and accuracy.Strongmunication, presentation and writing skills.Proactive, resourceful and a good team player, with ability to build rapport with internal and external parties.Good understanding of banking products and their risks.Strong understanding of credit risk, financial analysis, critical and data analysis, impact sensitivity studies, financial modelling.Familiarity in financing documentation and legal considerations.Indepth sector knowledge in aviation financing would be an advantage.Strong negotiation skills.Strong technical skills with a strategic mindset, and strong business acumen.Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG ismitted to hiring based on merit and organsational fit, regardless of race, religion or gender.
Job ID 10070191-WD-1