Associate, Credit Portfolio Analytics - Specialized Finance

Job Summary

The role holder will be responsible for proactively managing the credit risk & risk/return benefit and act as an portfolio manager of a complex portfolio of Global Banking (GB) accounts in close co-ordination with the originating deal team. The products comprise of Leveraged & Acquisition Finance (LBO, structured finance, dividend recapitalisation, hold-co financing, promoter financing), Commercial Real Estate Financing, Project & Structured Export Finance, Transportation Finance (aviation+shipping) and Term loans (including Capex & general purpose). The role requires close interaction with several stakeholders ie Credit/Risk, client, Agency, other lenders, Relationship Managers, Loan Syndications & GB product partners. The candidate will also selectively work with product partners in writing new deal Credit Application Memos.

Credit Risk: Prepare credit application memos and discuss & get it approved from Credit, quarterly borrower performance review and updates, covenant monitoring, site visits, highlight early alert & horizon risks, amongst others. 

Risk/Return: Ensuring Bank’s RoRWA & RoTE are managed above the given threshold by managing the client, deal & portfolio level RoRWA, recommending assets which can be sold/churned or de-risked (through insurance, FRP), along with Loan Syndications engaging with stakeholders/other investors/lenders for marketing these assets. By analysing the upcoming potential risks, assets can be sold/de-risked to mitigate ECL & RWA spikes. 

Supporting new origination: Attending the new deal pipeline calls, reviewing, analysing & supporting all new deals hold positions that bank underwrites by understanding the risks, deal & group level risk/return. Work with product partners in writing new deal Credit Application Memos. 

Key Responsibilities

Strategy
•    Ensure forward looking credit analysis and make recommendations to actively sell down or promote credit enhancement for risky assets in the book. 
•    Perform risk/return analysis and optimise profits of portfolios wherever applicable. Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests, etc.).
•    Support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (e.g., CLOs).
•    Work closely with Coverage, SAG and respective Banking product teams to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions.
•    Actively support in managing the Banking loan portfolio returns by minimising ECLs (overall ECL to be within the Budget set for Financing Risk).
•    Monitor LGD benefits and ensure them to remain in line with the benefits expected during deal origination.
•    Support Banking’s sustainable initiatives including managing manual inputs on CRR5201a.

Business
•    Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events.
•    Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Commercial Real Estate/Project and Export Finance/Structured Finance assets, structural, contractual and external risks.
•    Financial analysis of a complex customer base using credit skills, ratio analysis, balance sheet and cashflow analysis. 
•    Evaluation of security, including but not limited to parental support.
•    Evaluation of project company management and strategies.

Processes
•    Monitoring, review and reporting (where required) of covenanted items.
•    Regular portfolio reporting.
•    Portfolio risk/return analysis and profit optimisation.
•    Timely response to portfolio related queries to other areas in the bank.
•    Accurate and timely responses to ad-hoc reporting requests.
•    Ensure that credit files are complete and maintained to an auditable standard.
•    Timeliness and quality of credit analysis.
•    Protection of the credit risk profile of the portfolios when making recommendations to Credit.
•    Timeliness and accuracy in reporting.
•    Active participation in projects which will impact upon