Job Description

Purpose of the role: The Portfolio Management department is a key function in AIBD that takes over the management of structured loans originated in AIBD, including real estate, oil and gas, infrastructure, renewables, energy and utilities, to monitor and enhance the credit quality of the portfolio through direct engagement of external and internal stakeholders and through credit risk assessment and support. Your role will entail managing a portfolio of structured finance assets across Asia originated in Real Estate Finance. A key objective of the role is to provide strategic insight to the portfolio as first line of defense. Job responsibilities: Client Management and Strategy

• Active management of the overall risk profile of assets throughout project life, including ongoing monitoring of client and project conditions, proactive risk identification, recommendation of risk mitigants, and management reporting.
• Implementation of solutions through stakeholder negotiations with clients, bank syndicates, external specialist advisors and internal stakeholders including negotiation of waiver terms and amendment documents.
• Co-work with Origination team in the arrangement of refinancing transaction, such as deal execution, negotiation, documentation review.
• Support the execution of work-out transactions, including restructuring terms, negotiation, preparing financial models, negotiate documentation.
• Maintenance of good client relationships through regular direct contact with clients to represent the business objectives to resolve issues while managing customer needs.
• Work on portfolio strategies, including the performance of stress testing, sector analysis and other portfolio analysis
• Assessment and execution of secondary loan sales in collaboration with the MUFG Distribution Team
• Preparation and oversight of borrower rating, credit applications and reviews, management and regulatory reporting, and audits and inspections

Strategic Initiatives

• Implementation of strategic initiatives, including enhancements to the credit monitoring process to improve business efficiency.
• Supporting the Head of Department in overall management of the portfolio and sector coverage.

Portfolio Management, Credit Risk Analysis and Reporting

• Play a supporting role on refinancing and potential work-out transactions.
• Prepare regular or any ad-hoc reports, including but not limited to credit conditions and instructions, action plans, stress tests, sector monitoring reports, presentations to management or credit committee, as requested by Management/Head Office or Regulators.
• Coordinate and prepare for internal and external audits or regulatory inspections.

Job requirements:

• 1 to 5 years of relevant experience in credit analysis, credit writing, recommendation to credit committee or being a credit approver.
• Understanding of banking products, credit risk, financial analysis, critical and data analysis, impact sensitivity studies, cashflow or financial modelling, options analysis, financing documentation and legal considerations.
• Experience in Real Estate Finance, or structured product financing would be beneficial.
• Degree qualified. Finance, Banking Accounting or Economics degree would be advantageous.
• Good technical skills, a strategic mindset and business acumen.
• Good organisation skills and attention to detail and accuracy.
• Good communication and writing skills.
• Proactive, resourceful and a good team player, with ability to build rapport with internal and external parties.

We regret to inform that only shortlisted applicants will be notified. Job ID: 10052740