Job Description Summary
Reporting to the Head of Portfolio Management, Southeast Asia, this is a client facing role with shared accountability of assigned client portfolio and as a key contributor to strengthen the risk accountability in the first line of defence.
The Account Manager supports Wholesale Clients in achieving its strategic objectives by:
• Identifying, assessing, managing, monitoring and reporting risks that may incur in the business;
• Ensuring the risk profile complies with risk policies, standards and guidelines;
• Promoting a strong risk culture within business;
• Identifying and assessing risks with a forward looking view;
• Managing risk by preventing further damage;
• Implementing effective risk control in accordance with the Bank’s framework;
• Supporting full transaction execution.
Job Description:
Credit & Risk Management
• Prepare credit application, annual review and solicit approvals in situations of facility increase, exception/deviation request, changes in T/S, non-compliance of covenants, negative development etc.
• Responsible for credit risk assessment and modelling, including financial spreading, rating, loan classification, early warning/watchlist triggers and projections
• Work closely with Credit Risk Manager(s) to clarify credit application enquiries, and to respond to action points requested by relevant approvers and credit committee wherever necessary
• Monitoring of approval conditions
• Review documentation to ensure compliance with credit approval terms
• Responsible for control activities, including financial covenant testing and report, collateral management and report, maintain credit-risk related data quality and closely monitor loan classification
• Conduct timely escalation of any negative development or red flags based on credit risk position and adverse changing market conditions
• Assist in portfolio review, regular or ad hoc projects in relation to account and portfolio monitoring
Business In-Control
• To participate in Early Warning and In-Control meetings as well as to write meeting minutes, monitor, administer and report operational risk incidents
• Provide input for regulatory returns
• Be responsible for credit related data/limit input and monitoring of Loan Classification
• Act as contact point for auditors for all credit and risk related matters
Client Service
• Be responsible for credit related matters during credit structuring and term sheet preparation, negotiation and review processes
• Participate in deal team to support full transaction execution
• Maintain constant dialogues with internal stakeholders to keep abreast of market intelligence, procedures, policies and strategies
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