This role will straddle across Financial Institutions (FI) & Corporate client segments of CIB. On FI side, the role will entail supporting FI RM in client engagement and transactional support for trade finance flows and loans transactions. On corporate side, this would entail assisting the RM for client coverage for corporate and institutional clients, in the areas of credit assessment and reviews, client servicing and client due diligence. Closely work with Head CIB and Senior Manager - Portfolio Management in maintaining the overall portfolio metrics and quality of the book.

Job Content

1.FI RM Support

• Working closely with the FIG RM to support Corporate clients and non-clients with the Trade Finance flow and Financing deals.
• Understand the FI risk monitoring system to review Credit Risk application viz-a-viz the transaction being processed.
• Overlook and Coordinate transactions sold to Multilateral agencies from turnaround and timing perspective.

2.Corporate Credit Risk Assessment and Management

Assisting the corporate RM and working closely with Senior Manager - Portfolio Management & the Risk team in managing the credit risk of the client portfolio. This involves:

• Understanding client needs and ensuring that appropriate facilities are being offered to the client
• Analyse creditworthiness of clients, Identification and assessment of key risks and structuring of facilities to mitigate the risks
• Preparation of clear and concise Facility Applications and annual / interim review of facilities including spreading of financials on Moody's Financial Analyst tool, performing financial analysis and confirmation of compliance to covenants and credit terms
• Preparation of proposals for ad-hoc transactions and marketing clearances in line with Bank policies.
• Actively participate in supporting development of client relationship , including accompanying RMs on client visits
• Ensuring all client documentation are duly executed and perfected.

3.Housekeeping and risk monitoring

Assist RMs and closely work with Senior Manager - Portfolio Management in ongoing risk monitoring, including:

• raising accounts on Early Alert as required, preparing early alert updates
• handling excesses, seeking approval and following up with clients until regularization

Ensuring credit files are always updated

4.Corporate Transaction Execution

• Assist RM in the implementation and execution of transactions including confirmation of conditions precedents met, and handling drawdown requests.
• Assist RM in co-ordinating the execution of legal documentation including facility agreement negotiation, perfecting of security / collateral, liaising with external legal counsel, HO legal, other lenders, etc as necessary.
• Assist RM in transactional approvals and monitoring.

5.Corporate Client Servicing

• Work with product partners, operations team, risk and compliance for a seamless service delivery of the bank's products to the client. This includes matters relating to payment investigations, account opening, loan drawdown / rollover requests, quotation of rates, balance enquiries etc.
• Be the escalation point for client relationships, proactively solving issues and escalating appropriately to RM, local COO or local CEO as required.

6.Corporate & FI Client Due Diligence and Compliance

• Perform client due diligence and manage all aspects of financial crime risk in line with Bank's compliance policies such as "Know Your Customer" (KYC), Anti Money Laundering (AML), Sanctions etc.
• Timely KYC and trigger reviews
• Follow up on alerts triggered by ongoing transaction monitoring as necessary

7.Foster Team Work

• Promote a culture of Teamwork within the Unit by:
• Sharing best practices / sharing market information
• Backing up team members in client servicing

Requirement

• Bachelor's degree is preferred or a related field from a reputable university.
• Financial qualifications, knowledge of accounting & finance/law.
• Min 3 years of Corporate Banking experience with knowledge of Trade Finance, Treasury, DCM
• Understanding of Trade Finance flows and familiar with UCP, URC & URR (ICC publications)
• Corporate Banking experience with knowledge of Trade Finance, Treasury, DCM is a plus.
• Knowledge of Credit analysis, legal documentation settlement, credit administration
• Achievement oriented, self-motivated
• Resourcefulness, decisiveness, information seeking

*Note that salary commensurate with relevant experience.