Associate, Portfolio Management – Global Aviation Finance Office (Job ID: 10073362)

MUFG BANK, LTD. Singapore Branch; Singapore; On-site; SGD 60,000 - 80,000; Full time

Job summary

A leading financial institution in Singapore is looking for an experienced credit analyst. The role involves preparing credit reviews, managing borrower risks, and supporting loan processes. Candidates must have at least 2 years of credit analysis experience, strong communication and Excel skills, and a degree. This position offers a dynamic work environment and opportunities to enhance banking strategies.

Qualifications

• Minimum of 2 years’ experience in credit analysis or credit risk.
• Strong skills in reviewing credit application recommendations.
• Experience in lending and repayment schedules.

Responsibilities

• Prepare credit reviews, applications, and borrower ratings.
• Identify risks and monitor borrower status.
• Support negotiation of waiver terms and amendments.
• Deliver high-quality service to stakeholders.

Skills

Credit analysis

Communication skills

Excel skills

Organisational skills

Financial analysis

Team player

Banking product knowledge

Education

Degree qualified

Job description

Job Responsibilities

Strategic

• To prepare credit reviews, credit applications, waiver requests, borrower ratings which include recommendations, within due dates, in accordance to the Bank’s internal guidelines and credit appetite. When producing the review or application, sound credit analysis, sensitivity analysis on financial models (to ensure it remain accurate and relevant), and examination of the key points and concerns will have to be clearly articulated so the credit offices can understand the key points.
• To undertake appropriate identification of risks issues, close monitoring of and reporting on the status of the borrower and underlying project conditions, including escalating to appropriate departments where applicable.
• Actively managing the overall risk profile of the borrower, effective obligor or transaction and to recommend changes where necessary to mitigate risks.
• To play an active supporting role on refinancing and potential work‑out transactions, where required.
• To actively support the negotiation of waiver terms and amendment documents, where required.
• To co‑work on secondary loan transfers and loan participation, where required.
• To prepare regular reports, including but not limited to credit conditions and instructions, action plans, stress tests, sector monitoring reports, Asset Evaluation Sheet, presentations to management or credit committee. To prepare ad‑hoc reports related to the portfolio that has a financial impact to the Bank, or as requested by Management/Head Office or Regulators.
• Coordinate and prepare for internal and external audits or regulatory inspections.
• Support the HOD in the Team’s operations, administration duties, organizing events as well as to provide back‑up support for other team members, when required, as well as to participate in ad‑hoc projects under the Bank’s initiatives.
• Adhere to all company policies as well as guidelines. Including KYC and compliance requirements.
• Support in maintaining, developing and updating local credit policies to ensure alignment with all relevant regulations.
• To identify industry, economic and sector trends and developments which can impact the portfolio.
• To continue to support the AFD team on operational matters relating to origination execution of deals and co‑work closely with the respective MUFG branches and other Divisions as well as administrative tasks such as travel, hotel bookings and expense claims. To prepare and update internal reports in relation to AFD transactions until a replacement is found.

Financial

• Support the delivery of timely process improvement initiatives for the Team.
• To support AFD team for origination and execution of deals and co‑work closely with respective MUFG Branches and other Head Office divisions.

Customer

• Deliver a high quality of service to internal and external stakeholders to enhance the Bank’s reputation and to meet customer’s expectations.
• Liaise and collaborate with customers, agents, external consultants, auditors, regulators and others to ensure that the Team may perform its functions in an appropriate and timely manner.
• To work in partnership with and liaise with origination team, relationship managers/sector coverage, credit teams, middle offices, overseas/regional branches, subsidiaries, affiliates and other departments to support the Teams’ responsibilities and matters relating to transactions under the portfolio.

People

• To liaise with various departments and work together with GAFO as a global aviation team.

Other/ Control

• To comply with relevant MAS regulations and MUFG group policies.

Job Requirements

• Minimum of 2 years’ experience in credit analysis or credit risk (in similar Structured Products financing or Corporate Banking).
• Experience in lending and repayment schedules
• Intermediate Excel skills
• Degree qualified
• Experience in reviewing and preparing credit application recommendations, reviews of credit controls and legal documentation
• Organisation skills and attention to details and accuracy.
• Strong communication, presentation and writing skills.
• Proactive, resourceful and a good team player, with ability to build rapport with internal and external parties.
• Good understanding of banking products and their risks.
• Good understanding of credit risk, financial analysis, critical and data analysis, impact sensitivity studies, financial modelling.
• Familiarity in financing documentation and legal considerations.
• Indepth sector knowledge in aviation financing would be an advantage.