Bank Of America Vice President Credit Officer Enterprise 

Singapore 

429577693

Role Description:

You will perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio. You will also independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.

Responsibilities:

• Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
• Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
• Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
• Develop and maintain a deep understanding of the product spectrum and portfolio at client, industry, and macro level in order to assess risk and craft value added solutions balancing risk.
• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Loan Capital Markets, and Legal.
• Participate in strategic projects to support business goals.

What we are looking for:

• Credit risk experience at a major international financial institution, analysing, assessing companies in assigned region and in different sectors and structuring transactions.
• Strong credit skills, risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment in which the bank operates, and how that impacts client and portfolio’s credit profile and ability to defend rigorously a fact-based point of view.
• Sound product, documentation and process knowledge across lending, trade finance and derivative products.
• Strong organisational skills with ability to prioritise work under pressure, drive deal selection, negotiate solutions, strong transaction management process, and proactively manage credit risks.
• Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.