Senior Credit Analyst - Hongkong/APAC/Vietnam

PERSONAL REQUIREMENTS

- A proactive, motivated approach, with ability to operate with urgency and prioritize work accordingly

- A structured and logical approach to work, which exhibits strong problem-solving skills

- The ability to manage workloads and tight deadlines

- Excellent attention to detail and accuracy, strong in numerical skills

- Must possess excellent communication and report writing skills.

- Relevant experience in Team management

Language Skills: Proficient in English.

Experience: 3-5 years in corporate credit analysis, after post-graduation.

Responsibilities.

The Credit Analysis Team is setup in banking for centralizing the credit analysis function for its corporate clients globally. We are looking for an ambitious credit analyst to cover a varied portfolio for corporate based in Asia region.

The Credit Analysis team is the Bank's first line of defense and works closely with GCIB bankers, Product partners and Credit approvers to promote an optimal risk / return on the banks' lending opportunities.

The credit analyst will perform forward looking credit analysis on the borrowers, annual reviews and limit renewals, support on ad-hoc requests and periodic reviews when necessary.

Main Responsibilities

- Manage a portfolio of Asian Corporate clients (preferably Vietnam, Hong Kong) and undertake objective detailed due diligence of borrowers / industry.

- Managing end to end annual renewal of limits and borrower ratings as per the Banks credit processes and procedures collaborating with other stakeholders (Relationship Managers, Product teams and Credit Officers / Approvers).

- Ensure accurate and timely compliance with internal policies and reporting procedures.

- Support onshore teams for the preparation of internal applications such as borrower rating reviews, credit application for renewals and transactions/deals. These involve preparation of spreadsheet, financial & liquidity analysis and cashflow projection etc. and conducting credit review and analysis on credit transactions and rating applications.

- Conduct market research/ industry benchmarking/ peer analysis for the portfolio clients.

- Handling of waiver and amendment requests

- Audit management - Support in Internal, External audits.

- Ability to multi-task and manage ever-changing and often conflicting priorities; Ability to work with a high level of motivation and initiative; Work diligently to develop technical skills and industry knowledge related to the role.

- To perform covenant checking to ensure the financial and non-financial covenants of facility agreements are duly complied with.

- Preparation of periodic sector reports and event-based stress tests of the portfolio as necessary.

Candidate Profile

- Extensive experience in fundamental corporate analysis gained in either a bank, asset manager or rating agency environment.

Functional / Technical Competencies:

- Strong domain knowledge including financial statement analysis, credit analysis, industry analysis of corporates. Experience of covering Asia region (Vietnam, Hong Kong) preferred.

- A good understanding of loan documentation, key credit protections, knowledge about different lending products will be preferred

- Understanding of market risk and ISDA documents would be preferred/ beneficial.

- There should be an emphasis on credit analysis in the context of a transaction or event, or a strong motivation to move into a more transaction driven environment.