Credit Review
- Evaluate new investments in the Primary and Secondary Markets by performing fundamental credit analysis, which covers economic, financial, cash flow, debt and governance risk (eg. financial covenants) analysis.
- Interpret and analyze market sector activity impact on credit risk & credit rating.
- Industry sector coverage of minimum 6.
- Compile detailed financial models and projections and applying economic and industry analysis to produce sectors recommendation for debt securities,.
- Formulate a clear and concise credit view and recommendations in writing. Kept up to date files on all credits.
- Prepare internal memo with recommendation of credit limit to seek Credit Underwriting concurrence.
Credit Monitor Early Warning
- Perform on-going monitoring of issuer creditworthiness.
- Conversant and be updated on issuer's announcements or press release and the rating rationales released by the rating agency.
Review Internal ESG Rating
- Assess, evaluate and review the internal ESG rating for all bond issuers.
- Review and quantify the key drivers for Environmental & Climate risk
Compliance Regulatory & Policy
- Conversant with the relevant acts, rules and regulations affecting the issuer's business and the debt securities industry and be conversant with all statutory modifications and re-enactments as may be introduced thereto.
- Maintain compliance at all times with the relevant internal policy and guidelines relating to investment evaluations.
- Build and maintain an updated Pre-approved Master List from time to time. The Pre-approved Master List shall contain the (i) exempted securities (automatic qualifiers) and reason for exemptions (i.e. subject to Government guarantee is in place); (ii) New Issues; and (iii) Existing Issues.
Others
- Display teamwork and work closely with other colleagues at all times.
- Ad-hoc assignments relating to credit review of debt securities investment.
Skills
- Strong analytical and financial modeling skills
1.1 Build financial and quantitative risk models.
1.2 Perform financial statement analysis.
1.3 Statistical analysis for credit risk portfolio modeling
- Interpersonal skills
- Good verbal communication and listening skills,
- Strong team player to support the overall strength of the group.
- Work under tight timeline
- Ability to perform under tight timeline.
- Strong software application skill
- MS Offices Knowledge - Excel and Word.
Knowledge
- Sound knowledge of credit review for financial statement analysis
- Understand the key features and impact of bond covenants on bondholders
- Knowledge of portfolio credit risk management and FRS9 Impairment
Experience
- At least 1-2 years of financial analysis/ credit related experience
- Bachelor degree in Accounting, Finance, Business or related field with strong quantitative skills
