01Overview
Job Title:
Credit Analyst Financial Institutions
Department
: FIC ICAT APAC
About Business line/Function:
FIC ICAT APAC
Position Purpose:
The Credit Team guarantees the selection and the follow up of counterparties considered Doubtful, under Watch List or sensitive list, evaluates the accurate level of provisioning, guarantees the quality of credit files and portfolios (notably by complying with regulatory framework e.g. Basel III requirements and including credit policies, rating policies and other Group guidelines), develops local market intelligence by performing desk research (financial statement analysis, monitoring of published research), maintains a network of Industry contacts and performs on site due diligence, guarantees that available local market information and views on risk issues are communicated swiftly and effectively.
The Credit Team is a main partner for the Senior Credit Officers and their binomes for the clients covered by the financial institution credit process and is also in permanent interaction with other business lines for uncovered clients
Responsibilities
Mission
- The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions & Funds to facilitate informed credit decisions.
- Develop in-depth understanding of the groups under the responsibility and develop market intelligence by investigating all available sources of credit and financial information.
- Monitor permanently the portfolio under their responsibility to detect any credit issue requiring a specific review.
- Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of clients credit worthiness (credit proposal), compliant with the Banks guidelines. The credit proposal includes a recommendation on the ratings, the limits, the legal credit terms and the risk strategy vis-a-vis the client.
- Develop a good knowledge of the banking setting: capital market products, legal docume .
