Roles & Responsibilities
Purpose of the role
- Conduct comprehensive credit analysis and prepare credit applications for corporate clients across a variety of industries predominantly in Singapore but also in the region.
- Evaluate creditworthiness of potential and existing clients, using a variety of tools including financial statements analysis, financial projection modelling and industry peer benchmarking.
- Support in monitoring the department / Branch credit portfolio including but not limited to borrower ratings, credit due date control and collaterals to identify credit risks to the department.
Job Responsibilities :
Develop and maintain strong stakeholder management with key stakeholders within MUFG.Work in partnership with colleagues across the region to deliver an integrated service for our customers.Work in partnership with relationship managers in the country to support the team in resolving any complex credit processes or credit operational issues.Work in partnership with relationship managers and credit department in other branches to support transactions booked in other branches.Work in partnership with Credit Divisions to resolve any complex credit application issues and share various credit reports prepared by the team.Support the Team LeadCollect relevant information from relationship managers and prepare credit applications for approvals, ensuring that thorough analysis has been performed including analysis of cash flow projections.Review borrower ratings in accordance to MUFG’s guidelines and policies.Monitor due date controls to support the credit facility renewals and ensure that covenant checks are completed in a timely manner.Prepare reports to monitor submission of documents on covenants checks to ensure that credit applications are appropriately supported.Support in updating local credit policies to ensure alignment with all relevant regulations.Support the delivery of timely process improvement initiatives for the department.Support in assessing the health of department’s credit portfolio, including but not limited to borrower rating and collaterals control.Support in internal and external audits by coordinating activities for the department.Maintain good working knowledge of industry trends, products, relevant laws and regulations.Participate in relevant committees in the region.Adhere to all company policies as well as guidelines.Job Requirements :
Degree in Accounting, Finance, Banking and / or Commerce.Professional qualifications eg. ACCA, CFA, CA would be advantageous.Minimum one year of corporate credit experience within the banking / financial institution industry.Strong analytical skills to interpret financial data, identify risks and find mitigation to risk issues.Good communication and presentation skills.Attention to detail and accuracy, including strong numerical skills and ability to work under time pressure.Experience in preparing credit applications.Strong Microsoft Office skills, especially Excel, Word and PowerPoint.Good knowledge of industries and economic environment in the region.Strong understanding of corporate banking products and their risks.We regret to inform that only shortlisted applicants will be notified.
Job ID : 10072946
Tell employers what skills you have
Financial Statements Analysis
Microsoft Office
Assessing
Analytical Skills
Process Improvement
ACCA
PowerPoint
Attention to Detail
Pressure
Audits
Team Lead
Presentation Skills
Benchmarking
Cash Flow
Stakeholder Management
Credit Analysis