Job Description

Support Corporate Baking Relationship Managers in credit applications requests for corporate credit extension for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/ credit risk policy guidelines and standards. Prepare a detailed written credit application by analysing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision. To ensure proper submission of credit papers, procure Head Office\'s approval, implement approval\'s condition/instructions and follow-up with related matters wherever necessary. Provide thorough quantitative and qualitative analysis, including industry and financial trend analysis, ratio analysis, and other due diligence as needed, comments and recommendation on credit applications. Maintain a good understanding of SMBC products and services for holistic credit articulation. Comply with SMBC credit policies/ practices and regulatory policies, to ensure business unit is adherence to the above and receives satisfactory rating from internal and external auditors. Assist in liaising with external legal counsel/agent banks/ clients for documentation/Central Bank\'s approval, if any. Extend support to Relationship Managers in operational matter including but not limited to drawdown/ rollover/ payment processes, where applicable according to the approved credit terms. Other duties as required to support business unit and company goals. Job Requirements A recognised Bachelor\'s degree Fresh graduates are encouraged to apply as training will be provided Ability to write credit proposals and analyze financial and cash flow statements, exposure to compliance/ KYC related checking will be added advantage Good IT literacy (Word, Excel, Powerpoint) Strong analytical skills, detailed-oriented. Good command of English in both spoken and written communication Pro-active disposition with ability to work as a team player with good interpersonal skills

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