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 Banks 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