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