Account Manager, Wholesale Clients

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