Title:  Credit Underwriter

Job Description

• Thoroughly analyze risks and rewards in each individual transaction, including the purpose of the credit, source of repayment, collateral, sensitivities, (financial) history, terms and conditions to determine the overall risk profile
• Propose adjustments of the credit proposals by working with Business Units to identify credit risks relevant and mitigate risk to be accepted
• Assess the risk exposure of each proposal and verify the proposed rating, decides within delegated authority, or provide opinions to higher approval levels on the rating
• Ensure application of One-Obligor Rule and consistent Borrower Risk Rating
• Initiate and maintain contacts with Business Units and advising Business Units as a partnership regarding format and content of the credit proposals and, if relevant, the counterparty limit and country limit requests
• Perform Regular reviews with forward looking of each customer within the business to ensure that the risks covered by credit risk type are begin property identified, assessed, managed , proactively monitored and controlled
• Develop credit quality of assigned business clients
• Contribute to further development of credit strategy, policies, manuals, procedures and conclusions for portfolio

Job Qualification

• Master's Degree in Accounting, Finance and/or related field
• Minimum of 5 years of experience in Credit Analyst related, Underwriter, RM, ARM, AA, or related field
• Strong credit analytical skill, knowledge of industry and corporate credit
• Possess analytical and systematic thinking in knowledge of industry analysis, financial instruments, credit, and business analysis
• Dealing with deal structuring & complicated financial modelling for project finance/ loan syndication across AEC
• Adventure mindset and open-minded for cross culture
• Good communication, negotiation, and problem-solving skills
• Computer literacy; Microsoft Office
• Able to travel internationally for business purpose