Credit Analyst, Corporate Banking

Full Time, onsite
Sumitomo Mitsui Banking Corporation – SMBC Group
Wilayah Persekutuan Kuala Lumpur, Malaysia

Salary undisclosed

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Job Summary

Responsible for credit related matters including credit application, credit monitoring and implementation and observation of credit control for SMBC MY and SMBC LBN.
To support Relationship Manager in legal documentation and disbursement of credit facilities.
To maintain close communication with middle and back office on customer transactions.

Key Responsibilities

Prepare credit applications, ensure proper submission of credit papers, procure Head Office's approval, implement approval condition/instructions and follow up on irregular reports (if any). This shall include GBR related applications such as Obligor Grading, Facility Grading, Corporate Cards, RARORA-SMVA simulation, Country Limit Checking, pre-approval sanction screening, as well as other required process and procedures in credit preparation process.
Maintain constant communication with credit department to obtain credit approval in timely manner.
Analyse & evaluate credit requests (applications, waivers, change of conditions, breaches etc.), giving comments with options/alternative solutions with final recommendation after consultation with Relationship Manager and Head of Department.
After approval and completion of legal documentation, to prepare Control Card, Covenant Control Sheet and Covenant Memo (including periodic compliance purposes).
To work hand-in-hand with Relationship Managers in respect of legal documentation and to facilitate drawdown process.
Due date management - ensure timely submission of credit monitoring and renewals.
Monitor the financial and business performance of customers and report to management/raise the necessary reports on any adverse/latest news in timely manner.
To keep abreast of customer's financial position and business/industry update and to join Relationship Manager for customer visit/site visit when required.
Keep up-to-date and apply the latest internal and regulators' credit procedures, rules and regulation in executing key responsibilities.

Job Requirements