Private Bank Credit Operations – Associate
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- Support the underwriting team for setting up of new /renewal credit facilities in accordance to the Credit and Risk policies of the Private Bank.
- Handle documentations which includes preparation and liaising with internal legal on documentation drafting, signature verification, scanning and filing.
- Collaborate closely with Credit Underwriting team, Credit Executives on exception handling for credit facilities extended to Asia Private Banking clients
- Monitor and review of the loan portfolio, regularize excesses (shortfalls) as per the Credit guidelines, regulations, credit policies and guidelines
- Provide Controls and Management Information Support reporting for internal Credit Risk metrics including credit exposure, product analytics, threshold reporting and collateral breakdown
- Identify, implement and manage controls initiatives with other International Private Banking primary locations i.e Geneva and Edinburgh to share best practices and coordination with India and Manila teams
- Explore and develop automation opportunities for existing reports using Intelligent Automation tools like Alteryx, Python, Unqork and Xceptor
- Input and maintain credit limits and other credit parameters such as cross pledges, pricing, mortgages etc. in the system
- Drive process improvement / automation initiatives and efficiency opportunities with the Change Teams
- Write test cases for platform testing, experienced implementing test strategies, in partnership with IT and Change teams
- Bachelor's degree in Business, Finance, or relevant disciplines
- At least 5 years of relevant work experience in a middle office or control function in a financial institution
- Demonstrated interest in financial markets and understanding of risk measure, and ability to adapt in a fast paced, dynamic and changing team environment is essential
- Confident and outgoing personality, able to deal directly with the senior stake-holders
- Strong solution based problem solving and analytical skills, able to add value rather than just accept the status quo
- Must be highly disciplined, a self-starter, and can execute on assignments independently. Adaptability to learn new tasks and demonstrate a willingness to understand the details of a process.
- Strong ability to document (or make changes) to standard operating procedures, risk documentations and policy documents associated with Operations
- Excellent analytical and problem-solving skills, with the ability to identify and resolve complex operational issues.
- Strong interpersonal and communication skills, with the ability to build and maintain relationships with internal and external stakeholders (partnership mindset)
- Strong understanding of the Operations ecosystem- controls, reconciliation, documentation, and operational risk management
- Excellent verbal and written communication skills
- Knowledge of regulatory landscape an advantage
- Strong knowledge of automation tools like Alteryx, Xceptor, Visio a plus
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