Credit Analyst, Global Financial Institutions (Assistant Manager)

Job Description - Credit Analyst, Global Financial Institutions (Assistant Manager) (240000RJ)

This is an excellent opportunity to join a high-performing team of credit risk professionals in the Global Financial Institutions (‘GFI’) department, partnering our origination teams to provide financing, investments and hedging opportunities to a full range of financial institutions and Non-Bank financial institutions across multiple geographical locations.

What you do:

Key Responsibilities:

• Be responsible for the pro-active management of a portfolio of regional and global accounts for NBFIs/Banks by providing insightful, relevant, succinct and timely credit analysis on the portfolio.
• Work closely with Relationship Managers in pursuing their client strategies through proactive idea generation, discussion on key risk aspects, including accompanying Relationship Managers on client visits if needed, as part of general due diligence in respect of credit analysis.
• Work with different Business Units and Financial Institutions Credit Risk Management to structure credit facilities with risk mitigants to manage credit risks, through making appropriate recommendations for credit approvals.
• Help to ensure timely review of credit reviews and counterparties’ ratings in accordance with the Bank’s internal policies and guidelines.
• Keep abreast with the Bank’s credit policies and procedures and recommend relevant changes, as required.
• Proactively monitor industry-wide news, events and/or developments that may impact the portfolio, as well as covenants and risk triggers where applicable.
• Ensure that new transactions and credit renewals meet OCBC’s risk acceptance criteria, credit policies and procedures and regulatory requirements.
• Provide inputs in discussions with other functions within Group Risk Management in regular reviews of counterparty rating models.
• Understand and recommend appropriate credit terms in documentation, including loan facility agreements, ISDA/CSA, GMRA and GMSLA, etc.
• Support Team Head and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the department’s and/or team's activities and processes.
• Assist the Team in spreading financial statements, as well as other ad-hoc tasks to facilitate credit analysis.

Regulatory and Business Conduct:

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across OCBC Bank.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Who you are:

• A good relevant degree from a recognized university.
• Minimum 2 years of relevant credit experience in established banks/financial institutions.
• Strong analytical ability, focused on the assessment and calibration of credit risk.
• Good understanding of financial statement analysis and banking products such as lending, trade, treasury products, etc.
• Good communication ability with various stakeholders including frontline business and risk management colleagues.
• A good team player who is driven, pro-active with a positive attitude, able to work independently in a dynamic, fast-changing environment.
• Displays willingness and ability to express opinions and work in a fast-paced environment.
• Possesses knowledge of standard loan documentation, ISDA/CSA, GMRA, GMSLA.
• Has excellent written and interpersonal communication skills.

Who you work with:

The GFI Group manages and coordinates OCBC’s relationships globally with a full range of banks and non-bank FIs through a global team of Relationship Managers (‘RMs’) based in Singapore, overseas branches and subsidiaries of OCBC Group.

Who we are:

Singapore’s longest established bank, we’ve been helping people and businesses get what they want from life since 1932. Today, we’re on a journey of transformation, embracing technology and creativity to become a future-ready learning organisation.

What we offer:

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities.