Lending Officer
S$200-280,000
Our Client is a Global Tier 1 bank
Location Singapore (facility to relocate)
The Lending Officers work closely with other key stakeholders creating solutions, formulating and implementing a Lending business strategy for the APAC region.
• Have accountability for the attainment of set performance targets, optimum resource utilisation and adherence to relevant internal policies/controls and regulatory requirements.
• They will partner with Sales, Origination and/or Trading to ensure that products/ solutions/platforms meet the needs of the Bank/clients and participate in the negotiation and execution of the mandated transactions with clients.
• They will ensure adherence to the NPA/NTA process and participate in discussions with internal partners (e.g. Risk; Legal) as appropriate, for the smooth execution of transactions.
• This is a role which requires an ability to influence stakeholders, including customers, seniors of the bank and Risk, to deliver on aggressive growth plans and to ensure processes meet the Bank’s highest standards.
Job details:
Key Responsibilities:
• Work closely with Bankers and Investment Managers to manage and facilitate growth of the Private Banks lending book.
• To originate, structure and execute tailored financing solutions for UHNW clients in the South Asia market region based on good understanding of their needs, (e.g. risk appetite, time horizon, use of proceeds, company structure, tax schemes, etc).
• Focus primarily on complex financing solutions against less liquid assets, i.e. Share Backed Financing, Private Equity Financing, Real Estates, Alternative Investments, and Structured Products.
• To deal with both flow transactions and specifically focus on cases that have an element of exception to credit policy, large exposures, concentrations, extended credits and require extensive analysis and risk mitigating structuring (covenants, hedging etc).
To be an ambassador to promote Lending as a product and take primary ownership to build the business.
• Active participation in client meetings along with Sales/Coverage to advise on the key features of the structured product and liaise with internal/external lawyers and clients on legal documentation help closing transactions.
• Responsible for monitoring ongoing transactions and be involved in the review/drafting of marketing, deal execution materials and internal desk reports.
• Shape credit-related processes, policies and platform enhancements
Your skills and experience:
• 6 years+ of relevant experience gained in private banking or international financial institutions.
• Solid knowledge in financial analysis for corporates and dealing with corporate finance transactions.
• Familiar with regional/international financial markets and legal & regulatory issues relating to cross border lending transactions.
• Possesses good understanding of credit process, policies, and related legal / regulatory requirements.
• Good knowledge of capital markets and derivatives products is very important.
• Strong communicator (both written and verbal skills) with an ability to write concise reports.
• Be competent and confident with external client facing.
• Have an open mind-set and respects challenging views from different stakeholders
• Strong analytical skills and an independent decision-maker with ability to support or defend conclusions.
• Team oriented, flexible, diligent, self-motivated and willing to set example to junior teammates.
• Ability to collaborate effectively with wide range of cultures / personal styles and to establish strong partnership with infrastructure staff.
• Ability to work under pressure and deadlines as well as working with front-office staff in amicable manner.
sarah@huddlestonjones.com
