Credit Analyst-FIG

Job description

Main Accountabilities

The candidate should have expertise in credit analysis and supporting ratios and metrics, and regulatory matters. Product lines encompass OTC and listed derivatives, foreign exchange, repo, structured transactions, and committed lending facilities. Day to day responsibilities include but are not limited to: Conduct first level credit analysis for Financial Institutions (ex-Hedge funds) counterparts by preparing concise, critical and well supported credit proposals.

Recommend credit limits in a partnership relationship with bankers/sales/structuring team based on the bank’s risk appetite and client’s credit profile. Conduct periodic credit facility renewal and maintain clear and updated documentation in all credit files including financial statements, financial spreading, credit applications, validation records, internal and external correspondence. Expedite and monitor the credit approval process by liaising with bankers/sales/structuring team and approval officers.

Review and assess counterpart’s credit risk rating at least annually, or as driven by special events, based on internal and external ratings and analytical tools. Manage a portfolio of FI counterparties keeping credit files up to date, covering Asian countries, particularly in Japan. Be actively involved in the preparation/negotiation of capital markets legal documentation, including ISDA, VMCSA, GMSLA, GMRA, JSDA, etc.

Keep a constructive and regular flow of communication with Front Officers to help them build deals in a sustainable way from the risk point of view, and to be informed timely of any relevant event on the Bank’s commercial side. Ability to speak to internal and external interlocutors at senior levels and provide CPM’s recommendation with relevant supporting grounds. Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients.

Support local branch regulatory requirements including contributions to the local Risk Management Committee, local overshoot monitoring, local provisioning report, BOJ/FSC derivative reporting as well as other local branch or regulatory tasks that may be required Assist in special credit related assignments and projects, as required.