南京招聘

职位描述：
Scope of Role:

? Credit Analyst (CA) would be primarily responsible for managing the Credit risk associated with the portfolio and ensuring high quality of the portfolio.
? Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit / policy perspective.
? Work as a team with the Relationship Manager (RM) and Assistant Relationship Manager (ARM) on a specified portfolio and facilitate revenue growth in the portfolio.

Key Responsibilities/Challenges:

？ Origination
? Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
? Work with RM and product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
? Work with the RM in:
a) Obtaining all pre-clearances required in the credit pre-screening session
b) Preparing & presenting BCA; and
c) Expediting approvals.
? Responsible for end-to-end BCA process including preparing all the tools like Scorecard, MFA etc, in-depth analysis of various risks/litigants and ensuring fast credit approval.
? Liaise with Credit /GAM /FAM on BCA and other credit issues and ensure quick turnaround on queries.
? Ensure compliance of all internal and regulatory credit/other portfolio related policies.
? Evaluate the environmental and social risks.
? Work with RM to calculate and monitor overall RoRWA at account level.
? Coordinate and prepare for credit discussion meetings with local or group approvers.
? Liaise with GAM Credit for limit approval / allocation.
? Market, industry & client research (company Searches, annual statements, credit rating, etc).
? Reference check / market check - buyers, suppliers, competitors & lenders & to be documented by way of call report / file note.
? Legal & compliance liaising and preparing term sheets for lending products.

？ Post Deal Account monitoring
? Monitor quality of the portfolio by tracking weekly excess / past dues and strictly complying with ASTAR / EAR process.
? Ensure timely submission of quality PBOC Quarterly Credit Reports.
? Monitor risk triggers, covenants and other credit conditions and report appropriately.
? Ensure zero BCA overdue.
? Work with RM and ARM to ensure the proper maintenance of credit files and ensuring audit readiness at any time.
? Work with RM and ARM to follow up audit issues.
? Attend EAR / ASTAR calls along with the RMs.
? In partnership with the RM, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines.
? Preparing the Initial Downgrade Report (IDR) for transferring accounts to GSAM.

？ Others
? Prepare timely stress tests wherever required
? Prepare specific industry study
? Prepare credit opinion reports wherever required.
? Effective use of Creditmate

？ Adhoc projects, duties, assignment
? From time to time, due to exigencies of service, you may be required to take on additional duties, projects or assignments as determined by your supervisor.


Selection Criteria:

？ University degree in Finance or related discipline is preferred.
？ Adaptation and package of financial solutions
？ Strict adherence to compliance requirement
？ Fluent English verbal and written communication skills, native in Mandarin.
？ Proficient in office software, e.g. Word, Excel and Power Point.
？ Good at using Internet and other network application software.
？ Good communication skills and teamwork spirit.
？ Preferable if candidate has experience in big 4 or banking industry. 举报 分享

  
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