Market corporate loans and ensure market competitiveness by structuring loans to meet the financial goals of the Bank while also aligning with the client's needs.
Work closely with Wholesale Banking Coverage unit to align with risk returns of customer group in various industries.
Craft custom loan solutions and prepare term sheets tailored to the unique needs of corporate clients while ensuring the Bank's interests are protected.
Prepare credit proposals, provide analytical support in submissions to the relevant approving authorities and ensure speedy turnaround time. This includes the following - identify pertinent credit related issues and work out viable financing solution for clients, conduct pre-sanction visits & interview loan applicants and handle post-approval work process.
Ensure all transactions comply with applicable regulatory framework / guidelines and the Group's policies and procedures.
Monitor existing corporate portfolios and identify early warning triggers for potential credit deterioration.
Close monitoring of loan covenants and approval conditions to prevent breaches.
Key Requirements:
Minimum 10 years of non-retail banking experience in a regional financial institution.
In-depth knowledge of loan products (loans, trade finance, treasury and project finance).
Well-verse with relevant regulations, compliance standards, market conditions and industry trends.
Effective negotiation, presentation and communication skills to articulate credit proposals and engage with internal/external stakeholders.
Has strong business connections to identify and develop business opportunities.
