Senior Associate, Credit Analyst , Corporate Banking, Institutional Banking Group, DBS Vietnam HCMC

Job Purpose

• Review credit applications from corporate clients and make informed recommendations backed by sound assessment on the credit worthiness and risk profile of the business;

• Ensure adherence to internal and regulatory credit/other portfolio related policies

• Ensure strong credit portfolio through timely and effective credit assessment and monitoring

• To assist Relationship Managers (RMs) in managing the client and servicing their daily banking requirements

Responsibilities

• Interact with clients and gather information with regard to deal requirements & financial statements & other inputs for performing quality analysis and due diligence.

• Work with RM/product partners in developing credit solutions for the clients and ensuring the appropriateness of the products.

• Responsible for end-to-end credit process including

+ Analysis of financial strength of counterparties;

+ Analysis of market and sectors;

+ Identification of risks and mitigants;

+ Recommendation on risk recommending risk limits and risk ratings; obtaining approvals for credit proposals;

• Ensure compliance of all internal and regulatory credit/other portfolio related policies;

• Ensure timely submission of the credit reports;

• Monitor Risk Triggers, covenants and other credit conditions and report appropriately

• Day-to-day client management: To provide full support to RMs on clients’ daily inquiries, transactions, utilizations, documentation.

• Business development: To maintain strong relationships with the clients and assist RMs in influencing clients to maximise limits utilization and cross sell.

• Credit Management – To assist in the monitoring of credit quality of the portfolio and the review of credit facilities to clients if required.

• Others – To perform any other duties consistent with the role as assigned by management from time to time

• Bachelor’s degree in business, accounting, economics, or finance. CFA certification a plus;

• At least 3 years experience in the Vietnam wholesale/large corporate banking industry; Previous experience as a credit analyst preferred;

• Knowledge of credit products, market trends, and/or loan procedures;

• Effective written/oral communications skills

• Ability to multi-task and handle demands according to urgencies and client expectations

• Strong analytical and critical thinking skills with ability to define problems, establish facts and synthesize conclusions

• Ability to research financial topics and present accessible reports on that research to colleagues with differing areas of expertise

• Ability to work in a team with team members from across geographies