Job Responsibilities
- Liaising with the head office and regional head quarter (1) to reflect the head office’s strategy, procedures and risk framework on the daily credit review works conducted by AOCR, (2) to deliver our observation about quality of the portfolio for head office’s strategy, and (3) to reflect expected credit cost into our group’s budget and financial disclosure
- Estimating credit cost based on the customers’ credit risk profile and economic circumstances through close contact with various counterparties of front offices in the region
- Familiarizing colleagues in AOCR with procedures and policies released by various departments of the head office
- Reporting various credit matters to the head office or the regional head quarter for regulatory purposes required in Japan such as credit cost issues, ESG issues and any other ad-hoc issues requested by the financial authority
- Supporting senior managements of the Bank both in the head office and the regional head quarter for establishing their strategy from credit risk analysis on individual customers, overall portfolio and the overall market
- Making independent and effective recommendations on credit proposals and credit related matters to the management both in Tokyo and Singapore based on the credit reviews and analysis
- Assigning credit ratings to customers in accordance with the rating procedures and other relevant rules of the Bank
- Performing periodical (annual and quarterly) and special credit reviews and assessments required by procedures of the head office
- Gathering credit and related information on the customers or industry, from internal and external sources (e.g. front offices, customers of the Bank, buyers and suppliers, public authorities and institutions, credit agencies, other banks, etc.)
- Liaising with other credit departments in other regions including Japan to review transactions of customers in that region and to review transactions of customers whose JV partners are from such regions
- Supporting the management of AOCR on various matters including administrative requests
- Liaising with various department in the head office and Singapore for general administrative requirement of AOCR including but not limited to, handling AOCR’s sundry assets (physical items like desks or paper based files etc as well as intangible items like customer information) sundry budget handling, sundry human resource admin matters handling and data storage.
- Performing any other duties and projects as assigned
Job Requirements
- A Bachelor’s Degree
- At least 2-3 years of business promotion in handling credit risk of corporate customers.
- Business promotion experience in corporate finance is desirable.
- Basic accounting knowledge, financial analysis skills and banking products knowledge to perform proper analysis of risk profile of customers and transactions
- Proficiency in Microsoft Office applications, including Word, Excel, and PowerPoint
- Strong interpersonal and business writing skills
