Job Description
The incumbent will provide support to various teams with: (i) underwriting new credit proposals; (ii) asset management and post-lending ; (iii) providing analytical support; (iv) responding to home and inter-office inquiries; (v) performing KYC/AML and all other compliance activities relating to new and legacy loans; (vi) preparing term sheets, credit review memorandums, annual reviews and presentation reports; (vii) reviewing and negotiating loan documentation; (viii) processing and managing deposits,; (ix) assisting in loan closing and post-lending loan administration process.
Job Responsibilities
Include but are not limited to
Business Development & Customer Relationship
- Conduct industry research and analysis to assist in the identification and/or analysis of potential or actual business or new opportunities
- Conduct market research and identify potential business opportunities and prepare analysis
- Participate in onsite customer visits
- Maintain regular contact with clients and looks for opportunities to delivering added value to client relationships
- Build and maintain relationships with existing and new partner banks
- collaborate with other department on special project assignments including preparation of presentations to senior management
- Participate in special projects and other duties as assigned
Credit Risk Analysis
- Assist the team lead with preparation of credit analyses, analytical reports, real estate market rating models and financial/cash flow projections
- Monitor and analyze conditions in specified markets utilizing the Bank’s external and internal data, economic, and financial data and research for future trends
- Monitor and analyze key economic and demographic trends in assigned geographic markets and report on key developments to supervisor
- Monitor existing loan portfolio to ensure proper risk ratings and early identification of potential issues
- Perform financial analyses to determine risk ratings for loans and propose reserves for loan losses quarterly on the basis of the ratings
- Review supporting documentation for loans for accuracy and compliance with Bank policies, procedures and regulatory requirements
- Perform due diligence and compliance checks in accordance to the bank’s policies and procedures
Portfolio & Post-lending Management
- Collaborate with relevant departments on the loan processes including the opening of accounts, closing of loans, post-lending monitoring and others
- Perform post lending monitoring that includes but not limited to conducting annual review of loan portfolio, updating financial and performance reports and reviewing of compliance certificate and other documents
Risk and Compliance Management
- Provide assistance with the completion of risk and compliance assessments
- Understand and comply with bank policies, procedures and regulatory requirements
- Process transactions in accordance to the Bank policies, procedures and regulatory requirements
- Keep abreast of industry t rends and understand regulatory requirements
- Assist with audits by providing requested documentations in a timely manner
Job Requirements:
- Bachelor’s Degree or above with major in business, financial, accounting or economics preferred
- 1-5 years of experience in Corporate banking or risk management or portfolio management experience within financial services
- Demonstrate proficiency in reviewing and understanding financial statements (income statement, cash flow and balance sheet), as well as ability to model and use excel for spreadsheet analysis, ratio calculation, cash flow projection, and sensitivity testing and scenario analysis.
- Bilingual in English and Mandarin highly preferred
The salary range for Associate position is $42,000.00 - $90, 000.00. Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications.
