Senior Credit Analyst Senior Credit Analyst …

DZ Bank AG - SG Branch
in Singapore
Permanent, Full time
Last application, 01 Dec 20
Competitive
DZ Bank AG - SG Branch
in Singapore
Permanent, Full time
Last application, 01 Dec 20
Competitive
Posted by:
Corine Teo • Recruiter
Posted by:
Corine Teo
Recruiter
Based in Singapore, you will be part of DZ Bank AG's Credit team and report to the Head of Credit Singapore.You will be responsible for the evaluation of the financial standing of prospective clients, existing borrowers of the Branch and customers in the APAC region of Head Office and other branches;prepare credit ratings,credit applications and annual reviews as well as checking of documentation. As the Deputy Head of Credit, you will deputize at Management meetings, be accountable for signing of loan drawdowns and pre-approved limits and attend to the urgent matters of the Dept in absence of Head of Credit.

Key Responsibilities

  • Spread Balance Sheet, Profit/Loss & Cashflow Statements and evaluate the financial standing of prospective clients, existing borrowers of the Branch and customers in the Asia Pacific ("APAC") region of the Head Office (Frankfurt/Germany) and other branches.
  • Prepare Credit Applications (jointly with the respective Account Manager for new transactions) and annual Credit Reviews, together with Rating for each borrower for approval by relevant Credit Authority, giving an independent assessment and recommendation of the credit, and ensure compliance of DZ Bank AG's Credit Risk Strategies, internal Directives/Rulings, Brundesbank lending regulations (as per the internal Directives/Rulings) and the Monetary Authority Of Singapore's ("MAS") lending regulations.
  • Review letters of offers for bilateral facilities and Facility Agreements for Loan Syndications, ensuring terms and conditions are in conformity with the approved credit appilcation before submitting to Head of Credit. Liaise with legal counsels and agent banks.
  • Monitor and update accounts in the Integrated Risk Management ("IRM") application on a quarterly basis
  • Monitor and update accounts rated Special Mention under MAS on a semi annual basis in the master template.
  • Monitor and update financial covenants in the Financial Covenant Master Tracker to ensure compliance in accordance to periodicity in Facility Agreement
  • Update Trade Finance facilities for Head Office periodically
  • Prepare reports as and when required by Management &/or Head Office (eg. Credit Default report, country, industry, credit or customer profile).
  • Ensure proper maintenance of credit files

Criteria/Requirements:

  • A recognized degree
  • 10 years of relevant experience in the corporate and trade finance sector in banks, institutional investor, equity investor or audit firms, particularly with exposure to the APAC region
  • Good Excel and Powerpoint skills
  • Excellent communication skills with fluency in English
  • High degree of professionalism, flexible and an exceptional team player
  • Ability to work independently with good problem-solving skills and decisive
  • Able to work under pressure
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