Credit Analyst, Global Financial Institutions (AVP)

at  OCBC Bank

WHO WE ARE:

Singapore’s longest established bank, we’ve been helping people and businesses get what they want from life since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires. Today, we’re on a journey of transformation. Embracing technology and creativity to become a future-ready learning organisation. But for all that change, the entire focus of our organisation remains to be Simply Spot On. In everything we do.
And so whether you want innovate needs-based financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.
Your Opportunity Starts Here.

Key Responsibilities:

Reporting to the Team Head, you will:

• Be responsible for the pro-active management of a portfolio of regional and global accounts for NBFIs/Banks by providing insightful, relevant, succinct and timely credit analysis on the portfolio.
• Work closely with Relationship Managers in pursuing their client strategies through proactive idea generation, discussion on key risk aspects, including accompanying Relationship Managers on client visits if needed, as part of general due diligence in respect of credit analysis.
• Work with different Business Units and Financial Institutions Credit Risk Management to structure credit facilities with risk mitigants to manage credit risks, through making appropriate recommendations for credit approvals. These would include the credit facilities extended to counterparties by OCBC Group’s subsidiaries.
• Ensure timely review of credit reviews and counterparties’ ratings in accordance with the Bank’s internal policies and guidelines.
• Kept abreast with the Bank’s credit policies and procedures and recommend relevant changes, as required.
• Proactively monitor industry-wide news, events and/or developments that may impact the portfolio, as well as of covenants and risk triggers where applicable.
• Ensure that new transactions and credit renewals meet OCBC’s risk acceptance criteria, credit policies and procedures and regulatory requirements.
• Provide inputs in discussions with other functions within Group Risk Management in regular reviews of counterparty rating models.
• Understand and recommend appropriate credit terms in documentation, including loan facility agreements, ISDA/CSA, GMRA and GMSLA, etc.
• Support Team Head and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the department’s and/or team’s activities and processes.

Regulatory and Business Conduct:

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across OCBC Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Qualifications