Senior Associate - Credit Operations

About Businessline/Function :

The Credit Operations team in ISPL is responsible in

Administrative and operational tasks for bilateral and syndicated loans to ensure that they are performed in a proper and efficient manner. Ensure deal conformity in regards to the Credit Committee decision.

Data Control Quality: Ensure credit risk parameters decided during credit committee & booking committee are properly monitor and alerts accordingly. Safeguard the reliability, exhaustiveness and timeliness for consolidated credit risk reporting.

Risk Monitoring Function: Perform independent controls based on irregular reports generated by the system as well as the results of various monitoring & reports.

The position is located in ISPL and report to Manager Credit Ops _ISPL

Followings are assigned responsibilities.

Direct Responsibilities

- Prepare and review facility letter and related security documents including support documents for uncommitted and committed bilateral facilities based on MyCreditApp (MCA) approvals and terms and conditions.

- Support syndication deals.

- After the completion of preparation of documents, send final draft in soft copies to ISPL checker for review.

- Prepare and review any amendments required during the drafting process.

- In case where required, prepare additional documents. (e.g. registration form for security documents, tenancy consent letter), invoice for set - up fees, memo to relevant department to arrange retrocession payment, etc.)

- Inputting and validating guarantee data for all business lines in the Received Guarantee Module(RGM) and ensuring that all the data in RGM is up to date for all credit facilities.

- Inputting covenant framework and updating required financial statements in the MCA (covenant module)

- Collection and follow-up of various fees such as renewal, commitment and upfront fees

- Signature verification of executed documents

- Preparation and review of NSSC form for overdraft interest conditions

- Limit maintenance and validation

- Support and participate; when necessary; in the organization of the Watch List and Doubtful debt committees and control the appropriate booking of specific provisions in accordance with the committee decision and accounting standards.

- Input and verification of credit risk data and faclit in Atlas 2 and CAT based on (MCA) MyCreditApp output.

- Input and update overdraft rates in Altas 2 based on MCA output.

- Maintenance of monthly KPI reporting

Preparation, Analysis and distribution of Reporting, monitoring of excesses and exceptions at different frequencies

- Particpate and contribute to initaitives relating to process changes, system enhancement and UAT

- Participate and contribute local/regional/global projects

- Contribution to Regulatory/IG audits

- He or she shall possess a culture of accountability and discipline for management of credit risk data quality

- He or she shall have clear understanding of data definition in order to secure the data quality

- Direct contribution to BNPP operational permanent control framework.

- Comply with regulatory requirements and internal guidelines.

Technical and Behavioral Competencies required

- Basic knowledge of the Financing & Capital Market products

- Basic knowledge of credit risk concepts

- Good command of Excel and Word

- Planning & Organization skills (setup and follow schedules)

- Good oral and written communication skills with internal and externa clients

- Knowledge of Commodity Finance products

- Basic knowledge of understanding B/S and P/L in the financial statement for calculation of financial covenants

- Accurate and attention to details

- Committed and motivated by a strong sense of accountability and care about delivering.

- Team player and collaborative

- Autonomy and capacity to take initiative

- Work under pressure

Experience and Qualifications required

• Minimum 3 - 5 years of relevant working experience (as per open position)
• Degree holder or equivalent qualification in Banking sector