Assistant Vice President, Credit Risk Management (Job ID: 10071440)

MUFG BANK, LTD. Singapore Branch; Singapore; On-site; SGD 90,000 - 130,000; Full time

Job summary

A leading bank in Singapore seeks a Corporate Credit Analyst responsible for evaluating credit applications and transaction proposals. Candidates should possess at least 5 years of credit experience and strong analytical skills. The role demands proactive engagement with business areas to guide them in risk management and due diligence. This key position offers a clear path for progression within the bank's dynamic environment.

Qualifications

• Minimum 5 years of corporate credit experience in banking.
• Experience in credit analyst roles with proficiency in reviewing cash flow projections.
• Strong writing ability in preparing credit applications and recommendations.

Responsibilities

• Evaluate credit applications and transaction proposals for corporate clients.
• Engage with business on potential transactions and provide clear guidance on risk appetite.
• Support and mentor team colleagues while building relationships with stakeholders.

Skills

Credit Analysis

Financial Statement Analysis

Risk Assessment

Interpersonal Skills

Education

Graduate or Post Graduate Degree

Job description

To be responsible for a portfolio of Bank clients and to analyse and make recommendations on counterparty transaction proposals submitted by the Business for existing or new clients. Given MUFG Bank growth aspirations, transaction size and/or complexity, many transactions including new clients will require early engagement and close cooperation across different Business areas and support functions, in order to support and guide the Business in respect to risk appetite, due diligence, structuring, financial modelling and risk assessment. This is an important hire within ICD A&O and the role requires a high calibre individual who can take on a high level of responsibility with minimum supervision and has the capability to progress within the organisation.

• Evaluation of credit applications, internal ratings and transaction proposals for new or existing corporate clients in Asia and Oceania. This includes reviewing transaction material and the analysis submitted by the Business, where appropriate challenging assumptions and conclusions.
• Providing solutions and adding value to the Business by engaging in client and transaction discussions, due diligence, giving clear guidance on policy and risk appetite and influencing transaction structures and facility terms & conditions to mitigate risk.
• Engaging with the Business on early stage potential transactions, forming a view on these transactions and as appropriate, discussing and presenting these to ICD senior management. Attend deal screening committees and communicate credit views and challenges on proposals.
• Present transactions in a concise and clear manner to senior Business and ICD management both locally and overseas, evidencing deep knowledge of the client, transaction, and risks & mitigants. Provide clearly articulated views on whether a client and proposal is bankable and if not, where appropriate, providing alternatives and risk mitigating solutions.
• Support, coach and mentor ICD team colleagues, contributing to a strong and supportive team environment.
• Work collegiately with all stakeholders across divisions and jurisdictions, building a network of trusted relationships. Work closely with the Business and attend meetings with them on transactions, providing clarity and strong guidance and direction on risk appetite.
• Active involvement in term sheet, loan documentation and ISDA/CSA review and discussions with Business stakeholders, influencing where appropriate content and credit terms, ensuring these are acceptable from a risk and commercial standpoint.
• Proactively keep track and monitor allocated portfolio and clients from a client specific as well as a sector and country perspective, and where issues are identified, flagging these with relevant Business and ICD stakeholders. Formulate mitigating actions where material risk issues arise.
• Support new initiatives by the Business providing guidance from a risk perspective. Involvement where appropriate in the development of credit and policy guidelines and participation and support on assigned projects including contribution to change initiatives to drive efficiencies.
• Involvement in various initiatives and projects including change of policies, procedures liaising with relevant stakeholders in the Region and also in Tokyo Head Office.

Job Requirements:

• Minimum 5 years of corporate credit experience in the banking industry, focusing on large corporate counterparties.
• Experience in a credit analyst role preparing credit applications or a credit reviewer role providing recommendations to the approver.
• Experience in reviewing cashflow projections and conducting analysis of financial statements, synthesizing financial and non-financial information to form a forward view of the counterparty.
• Competent writing ability with experience in preparing credit applications or recommendations in a clear and succinct manner balancing all risk and commercial considerations.
• Broad product knowledge and competence in the analysis of traditional lending, trade finance, acquisition finance, structured transactions, and derivatives
• Experience across multiple industries and/or regions within Asia an advantage however not a strict requirement.
• Good understanding of different sector risk dynamics, drivers and fundamentals, with an ability to apply this in the analysis of counterparty success factors and business and financial risks.
• Strong interpersonal skills and ability to build trusted relationships with the Business and other stakeholders by providing clear advice on risk appetite, due diligence requirements and structuring, and finding solutions to risk issues.
• Track record of providing a contribution beyond day-to-day credit risk management, including around credit portfolio reporting, deep dive analysis, contribution to policy, ideas for improvement, special projects, etc.
• Evidencing a strong graduate or post graduate academic record.
• Resilient individual able to operate under pressure, with the ability to prioritize peak workloads and deliver to tight deadlines.

We regret to inform that only shortlisted applicants will be notified.

Job ID: 10071440