Vice President (Securitization), Credit Department

SMBC Group

Singapore

7-10 Years

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Job Description

Job Responsibilities :

To independently review and assess various types of credit applications, mainly in securitization deals with financial models / modelling cash flows to undertake financial analysis, and any other similar types of business submitted by business units; prepare concise executive summary to seek approval from relevant authorities.
To establish action plan for credits likely to deteriorate in order to minimize credit costs.
To manage and maintain the accuracy of registration of credit monitoring system and client database, and to instruct business units to modify data if necessary.
To participate with documentation negotiation in order to ensure that documentation is in line with credit approvals and SMBC standard.
To conduct credit portfolio analysis in terms of countries, corporate groups, industry commodity / segments, currency risks, internal grading, type of financial product, etc. from time to time.
To monitor and proactively control credit exposures for increased concern on concentration risks, in cooperation with other relevant teams / departments.To support development the credit risk taking guideline and framework including but not limited to grading methodology and portfolio management for the private credit business in collaboration with the relevant departments.
To discuss direction of potential deals with business units following credit policy and credit risk appetite.
Any other duties as may be assigned from time to time.
No approval authority will be given initially, but will be considered in future depending on performance and experience.

Job Requirements :

Bachelor's degree; with experience in securitization finance, financial analysis, credit risk management.
7-10 years experience in credit analysis / credit approval department in banking is essential. Credit analysis for structured credit and related business is highly preferred.
Strong credit analysis and due diligence skills, and able to prepare clear and concise credit recommendations.
High level ability to understand and interpret financial statements and conduct financial modelling.
Excellent organizing and planning skills. Team player attributes.
Excellent communication skills (written and spoken)