Senior Credit Analyst

Job description

Business type

Types of Jobs - Risk Management / Control

Job title

Senior Credit Analyst

Contract type

Permanent Contract

Management position

No

Job summary

Summary of the Position

• Responsible for the risk analysis of credit applications from CIB, CLF, ERA & ITB-GCF business lines (only where CACIB SG is PCO unit in the case of latter), covering the following geographies: Singapore, Malaysia, Indonesia and Thailand;
• As Local Representative of RPC, assist to co-ordinate / liaise with Regional / HO teams on queries relating to risk matters (eg coordination of replies to MAS surveys, queries from local Management, internal and external Auditors; Regulators…) for other business lines where RPC risk is not present at Branch.
• Active contribution to RPC projects that may involve the Singapore team.
• A team player who will present an effective and communicative interface with Management / FO / Business lines / RPC.

Main Responsibilities

• Analyzing FO Requests, conducting financial & credit analysis, transaction analysis and writing concise and succinct risk opinions.
• Preparation / coordination / participation to Portfolio Reviews and ad hoc discussions on risks.
• Ensure that annual reviews and ratings are reviewed in a timely manner.
• Determine the appropriate risk ratings in Anadefi (calculation, proposal & validation) for groups and counterparties & to be able to provide strong justification for divergences.
• Ensure that approved risk strategies / CSP decisions are consistently adhered to.
• Ensure that risks are compliant with internal procedures and local regulations.
• On watch with regards to our client’s newsflows, financials, corporate and sectorial developments.
• Close interaction with the Front Office to keep a good understanding of their needs and forthcoming pipeline.
• Active participation to the weekly Local Credit Risks Committee.
• Contribute to Early Warning, Early Detection and Country CSPs on request by RPC-AP.
• Active contribution to RPC projects and transformation initiatives.
• Grow ESR expertise within RPC. Ensures that HO associated decisions/ strategies are complied with. Advise the team and FO on ESR matters.

Position location

Geographical area

Asia, Singapore

City

Singapour

Candidate criteria

Minimal education level

Bachelor Degree / BSc Degree or equivalent

Academic qualification / Speciality

• Bachelors in Business Administration, Accounting and Finance; with a specialization in Risk will be preferable.
• At least 5 years of experience working in Corporate Counterparty Risks, or in general Risk teams in the financial sector.
• Strong understanding and fundamentals of credit analysis, policies and protocols within this sector.
• Motivated team player, with good communication (verbal and written) skills.

Level of minimal experience

6-10 years