MGR/ AM - Credit Analyst, Global Financial Institutions
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What you'll do
- 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. These would include the credit facilities extended to counterparties by OCBC Group’s subsidiaries.
- Help to ensure timely review of credit reviews and counterparties’ ratings in accordance with the Bank’s internal policies and guidelines.
- Kept 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 of 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.
- Display exemplary conduct and live by the Group's Values and Code of Conduct.
What they're looking for
- A good relevant degree from a recognized university.
- Minimum 3 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.
- Has excellent written and interpersonal communication skills.
Nice to have
- Knowledge of standard loan documentation, ISDA/CSA, GMRA, GMSLA would be advantageous.
Summarised by NextRaise from the employer’s description, which follows in full below.
Full description from employer
WHO WE ARE:
As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.
Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.
We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.
Your Opportunity Starts Here.
Why join:
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:
Reporting to the Team Head, you will:
1. 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.
2. 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.
3.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. These would include the credit facilities extended to counterparties by OCBC Group’s subsidiaries.
4. Help to ensure timely review of credit reviews and counterparties’ ratings in accordance with the Bank’s internal policies and guidelines.
5. Kept abreast with the Bank’s credit policies and procedures and recommend relevant changes, as required.
6. Proactively monitor industry-wide news, events and/or developments that may impact the portfolio, as well as of covenants and risk triggers where applicable.
7. Ensure that new transactions and credit renewals meet OCBC’s risk acceptance criteria, credit policies and procedures and regulatory requirements.
8. Provide inputs in discussions with other functions within Group Risk Management in regular reviews of counterparty rating models.
9. Understand and recommend appropriate credit terms in documentation, including loan facility agreements, ISDA/CSA, GMRA and GMSLA, etc.
10. 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.
11. Assist the Team in spreading financial statements, as well as other ad-hoc tasks to facilitate credit analysis.
Regulatory and Business Conduct:
1. Display exemplary conduct and live by the Group's Values and Code of Conduct.
2. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across OCBC Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
3. 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 3 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.
Knowledge of standard loan documentation, ISDA/CSA, GMRA, GMSLA would be advantageous.
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. Together with the RM teams, the GFI Credit Analyst team works closely with our product partners, other business groups and support functions in facing off Financial Institutions globally:
As a contact point for establishing mutual banking facilities with other banking counterparties;
Facilitating trade and trade finance transactions with/to other banks;
Providing cash management solutions to Banks and Non-bank Financial Institutions (NBFIs);
Providing funding or structured finance solutions, or capital market solutions to targeted banks and NBFIs;
Working with Group Treasury to provide treasury solutions, or investment or loan solutions to targeted banks and NBFIs;
Identifying and managing banking providers/partners for clearing payments, trade as well as custody services for the Bank;
Any other business; for example exchange or training programmes, etc. as may be required from time to time.
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. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.
Company
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