Responsibilities:
1. Prepare Credit Application / Review for Existing Borrowers
o Write up Credit Application / Review for borrowers with credit facilities (loans, securities, guarantees, trade finance, etc.).
o Assess the credit facilities in accordance to branch and MAS guidelines. This includes Borrower’s / Issuer’s financial performance, country or industry analysis and any other information related to the Borrower / Issuer. Also includes review of compliance certificate and indication of any breaches in the review.
o Comment on and recommend changes to the MAS loan classification of the Borrower/Issuer if required.
o Obtain Credit Review Committee’s approval for the Credit Application / Review. File approved reviews in their respective Credit Review files.
2. Prepare MAS Top Borrower Group Survey
o Populate the MAS Survey with credit-related data and information of required borrowers / counterparties on a semi-annual basis.
3. Prepare Credit Watchlist
Update the Watchlist on a monthly basis to monitor classified accounts. The Watchlist comprises information pertaining to borrower’s / issuer’s MAS Classification, outstanding, provision amount, latest development, etc.
4. Prepare Credit Dashboard
o Update the Dashboard on a monthly basis to ensure accuracy in risk control and monitoring of the bank’s portfolio. The Dashboard comprises information pertaining to loan covenants, financial covenants, financial statements, loan-to-value ratio and insurance coverage ratio, renewals and policies.
o Collect the Compliance Certificates, Valuation reports, Financial Statements and Insurance Documents from Operations Department, check for completeness, timeliness and accuracy, and ensure that there are no breaches.
o Inform all related departments of any breaches / non-compliance and the necessary follow-up actions to be taken.
5. Any Other Adhoc Work and Projects
o Complete any other adhoc work and projects as assigned by Team Lead and/or our mamagement from time to time.
Requirements:
o Bachelor's degree, majoring in Finance, Business, Commerce, Accountancy or Law
o Recent Graduates are welcome to apply
o Candidates with 1 year's relevant work experience preferred
o Basic understanding of MAS banking guidelines and regulations preferred
o Familiar with different banking product types
o Good oral and written English proficiency
o Good team player and self-driven
We thank all applicants for their interests in KDB Bank Singapore ("KDB").
Only shortlisted candidates will be notified.
PDPA Act
By submitting your resume for the above role, you are consenting KDB to
- collect, use & share your personal information to any 3rd party with whom KDB has service agreement in relation to your job application, and employment with KDB and
- retain your personal data for future job opportunity.