Relationship Manager (Credit Analyst)

Main Responsibilities

· Processing of credit applications (Corporate Banking, Supply Chain Financing and SME Banking).

· To check and follow up on the status of pending loan cases submitted by Corporate Banking Department and Supply Chain Financing.

· To monitor compliance of financial (financial ratios) and non-financial covenants clients need to observe.

· To spread financial statements using financial ratios for preparation of fresh credit applications or review / renewal.

· To provide analysis and recommendations on credit papers.

· To manage/monitor on conditions precedent to drawdown and conditions after drawdown.

· To provide term sheet or facility letter or guarantee letter and explain terms & conditions to customers to conclude and perfect facility offering.

· To manage, monitor and provide security agent services.

· To liaise with external business associates (valuers, legal firms, warehouse manager) as and when necessary, in relation to respective loan cases.

· To assess market trend and government policy changes

· To translate and summarize the important facts on facility letter, credit paper.

· To conduct site, visit together with Corporate Banking RMs (when necessary)

· To monitor repayment and generate reports.

· To supervise, support and train staff as necessary.

· Ad-hoc tasks to support Business & Institutional Banking Division when needed.

Requirement

· 2 – 3 years’ working experience in lending activities in banks and/or other financial institutions. Fresh graduates are also encouraged to apply.

· Excellent interpersonal, verbal and written communication skills and ability to communicate with different departments are also required.

· Strong customer service and analytical skills.

· Self-motivated and independent.

· Able to effectively interact with people at all levels and be a team player.

· Proficiency in MS Office (Word, Excel, PowerPoint, Outlook).