Job Description

Job Responsibilities :

The Credit Officer will be responsible for:

• Assessing that a loan application has:
• identified the key credit risks for the type of deals transaction
• considered and assessed the proposed credit risk mitigants
• ensured the loans will comply with the Bank\'s lending policies
• Undertaking consultation and research with origination teams during the credit assessment process
• Preparing a concise summary of the considerations in adjudicating the loan application and conclude with a recommendation for the appropriate approval authority to consider
• Early engagement with origination teams on direction of potential deals to ensure they follow the Bank\'s lending policies and credit appetite
• Undertaking periodic assessments of existing borrowers and support in the preparation of portfolio management reports for the Bank
• Setting up appropriate and timely action plans for existing borrowers likely to deteriorate
• Preparing responses to clarifications for relevant regulatory and government authorities, other credit related departments in the Bank and external auditors
• Liaising with relevant departments such as SPDAP, RMDAP, CIPD and so on, in terms of building up the framework for PW business.
• Other duties as may be assigned from time to time.

Requirements :

• Minimum 5 years\' experience with Private Wealth business
• Experience as a sector specialist with a credit rating agency, infrastructure consulting practice, legal practice or infrastructure investor or credit approver with a financial institution
• Tertiary qualification and/or professional designation in a business-related field.
• Ability to undertake research during the review process of a transaction which may also require travel.
• A Team player with an inquisitive nature and attention to detail and accuracy
• Excellent organizing and planning skills
• High level of numeracy and strong financial analysis skills.
• Good communicator, both verbally and in writing at business level.
• Strong influencing skills (written and verbal).
• Ability to simplify and explain complex topics / requests and produce a condensed summary report
• Advanced skills in Microsoft Office, specifically Excel

Please note : no approval authority in this role will be given initially, but may be considered after a period of performance

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