Spread Balance Sheet, Profit/Loss & Cashflow Statements and evaluate the financial standing of prospective clients, existing borrowers of the Branch and customers in the Asia Pacific (“APAC”) region of the Head Office (Frankfurt/Germany) and other branches.
Prepare Credit Applications (jointly with the respective Account Manager for new transactions) and annual Credit Reviews, together with Rating for each borrower for approval by relevant Credit Authority, giving an independent assessment and recommendation of the credit, and ensure compliance of DZ Bank AG’s Credit Risk Strategies, internal Directives/Rulings, Brundesbank lending regulations (as per the internal Directives/Rulings) and the Monetary Authority Of Singapore’s (“MAS”) lending regulations.
Review letters of offers for bilateral facilities and Facility Agreements for Loan Syndications, ensuring terms and conditions are in conformity with the approved credit appilcation before submitting to Head of Credit. Liaise with legal counsels and agent banks.
Monitor and update accounts in the Integrated Risk Management (“IRM”) application on a quarterly basis
Monitor and update accounts rated Special Mention under MAS on a semi annual basis in the master template.
Monitor and update financial covenants in the Financial Covenant Master Tracker to ensure compliance in accordance to periodicity in Facility Agreement
Update Trade Finance facilities for Head Office periodically
Prepare reports as and when required by Management &/or Head Office (eg. Credit Default report, country, industry, credit or customer profile).
Ensure proper maintenance of credit files
A recognized degree
10 years of relevant experience in the corporate and trade finance sector in banks, institutional investor, equity investor or audit firms, particularly with exposure to the APAC region
Good Excel and Powerpoint skills
Excellent communication skills with fluency in English
High degree of professionalism, flexible and an exceptional team player
Ability to work independently with good problem-solving skills and decisive