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Credit Analysis and Deal Support
- Prepare and conduct comprehensive credit submissions, including but not limited to:
- New-to-Bank credit proposals
- Credit renewals and annual reviews
- Interim/ad-hoc reviews
- Facility enhancements and amendments
- Pre-screening papers (e.g., financial analysis, cash flow projections, key risks and mitigations, etc.)
- Perform detailed analysis of:
- Financial performance and cash flow sustainability
- Business model, management capability and ownership structure
- Industry, market and macroeconomic risks
- Sources of repayment, collateral and security structure
- Articulate clear credit recommendations aligned with risk appetite and business strategy.
- Work closely with RMs to ensure complete and timely client information and documentation.
- Liaise with Credit Approvers, Credit Risk, Portfolio Management and Credit Administration to facilitate smooth credit approval and documentation processes; and respond to queries arising from credit submissions.
Portfolio Management and Risk Monitoring
- Maintain up‑to‑date financials, internal ratings and credit information for assigned accounts.
- Monitor compliance with covenants, risk triggers and conditions precedent.
- Monitor portfolio asset quality trends, including:
- Delinquencies and Days‑Past‑Due (DPD)
- Early Warning Indicators (EWI)
- Covenant breaches and risk trigger events
- Adverse news and credit events
- Prepare and maintain EWI dashboards and reporting packs.
- Prepare Early Warning Indicator (EWI) memos or presentations where deterioration is identified.
- Support stress testing exercises and scenario analysis on portfolio exposures.
- Escalate emerging credit concerns proactively to RMs and relevant risk stakeholders.
- Design and maintain portfolio risk appetite and concentration triggers, including:
- Industry and sector exposure
- Obligor Risk Rating (ORR)
- Unsecured and clean exposure limits
- Risk weighted assets, collateral coverage and RAROC
- Bullet and balloon loan concentration
- Identify high risk segments and propose actions, e.g., exposure capping, limit reduction, collateralisation, exit strategies, etc.
- Review exposure concentration for top obligor groups, high risk sectors, large network and Singapore centric names
- Support tail risk management of weak or deteriorating accounts.
- Conduct regular and ad hoc portfolio stress testing, including:
- Thematic stress tests
- Trigger based and scenario driven reviews
- Branch approved credit reviews where applicable
- Analyse portfolio trends and emerging systemic risks.
- Share credit intelligence, sector insights and market developments relevant to portfolio risk.
- Provide portfolio‑driven guidance on drawdowns for clean facilities under heightened monitoring, utilisation patterns and abnormal movements.
Controls and Governance
- Ensure all credit submissions comply with the Bank’s credit policies and guidelines, sector limits, approval authorities and regulatory requirements.
- Coordinate and prepare portfolio level reporting, including:
- Monthly Asset Quality (AQ) sessions (Country and Group)
- MAS 612 and other regulatory submissions
- Manage credit‑related audit queries and remediation actions for assigned accounts.
- Prepare rectification or exception memos for covenant breaches or non‑compliance, where required.
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