Manager/Asst. Vice President - Credit Ops APAC

Job Description

• Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement.
• Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
• Validate the framework of required covenants in the Covenant Manager tool, against executed credit agreements
• To certify/validate the risk data integrity in risk systems, Atlas II, RGM, CAT, and CRF in conformity with credit decision and of risk data related to Guarantors and guarantee records
• To regularly report and monitor any anomalies in legal documentation and expiry date of legal documentation.
• To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
• Contribute to successful delivery of systems and control reports enhancement with adequate UATs
• Promote and contribute to the implementation of a common culture and approach within CTM, and promote individual initiative, autonomy and versatility
Job Title:Credit Documentation Officer Date:April 2022Department:CTMLocation:ChennaiBusiness Line / Function:CIB ITO CLMReports to: (Direct)ManagerGrade:(if applicable) (Functional)Number of Direct Reports:NilDirectorship / Registration:Position Purpose:The position is located in ISPL (India) and report to Manager CTM is responsible for ensure credit approvals and credit reviews are updated/documented in a timely manner. Responsibilities
• Preparation of credit and security documents in line with the credit approvals
• Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement.
• Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
• Validate the framework of required covenants in the Covenant Manager tool, against executed credit agreements
• To certify/validate the risk data integrity in risk systems, Atlas II, RGM, CAT, and CRF in conformity with credit decision and of risk data related to Guarantors and guarantee records
• To regularly report and monitor any anomalies in legal documentation and expiry date of legal documentation.
• To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
• Contribute to successful delivery of systems and control reports enhancement with adequate UATs
• Promote and contribute to the implementation of a common culture and approach within CTM, and promote individual initiative, autonomy and versatility
• After reception of signed legal documents
• In cases 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.
• Collection and follow-up of various fees such as renewal, commitment and upfront fees,.
• Input of the guarantee data in the Received Guarantee Module and keep up to date the data for all credit facilities
• Input covenant framework and testing result in the Covenant Manager tool
• Input required audit financial statement for both customers and guarantors and follow up with Business/ CA to ensure receipt of required audit financial statement
• Analyse credit committee decisions and ensure credit review updates are transposed and updated into respective systems.
• Ensure control checklists are adequately prepared.
• Monitoring of genuine excess or exceptions for financing m tiers products
• Ensure all monitoring and data control Reports (excess, covenants, utilisations, wathclist ETC ) are adequately prepared, tracked and monitored
Data maintenance in the systems for APAC - Input and update credit risk data in bank accounting system and FX limits based on credit approval output.- I nput and update overdraft rates in bank accounting system based on credit approval output.- Maintenance of monthly KPI reporting/ dashboard- Input required audit financial statement for both customers and guarantors and follow up with Business/ CA to ensure receipt of required audit financial statement Ad-hoc tasks
• Contribute to successful delivery of systems and control reports enhancement with adequate UATs
• Participate and contribute local/regional/global projects
• Contribution to Regulatory/IG audits
• Participate and contribute to BCP
Contributing Responsibilities
• To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
• Promote and contribute to the implementation of a common culture and approach within ITO 3C, and promote individual initiative, autonomy and versatility
• Possess a culture of accountability and discipline for management of credit risk data quality
• 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 & Behavioral Competencies
• • Good understanding of Financial products for banks/ FIs
  • Good understanding of risk concepts and methodologies
  • Knowledge of credit processes
  • Good understanding of transaction workflows, booking concept and booking system
  • Being familiar with local regulations
  • Commitment to the role and capacity to meticulously implement the ITO 3C Mission Statement
  • Excellent written and verbal communication skills
  • Excellent attention to detail
  • Strong interpersonal skills
  • Good time-management skills
  • Autonomy and capacity to take initiative
  • Capacity to remain objective and independent in order to fulfil the control role required
Behavior
• Work under pressure
• Accurate and attention to detail/ rigor
• Committed and Motivated by a strong sense of accountability and care about delivering.
• Team player and Collaborative
• Ability to collaborate/ Teamwork
• Active listening
• Ability to deliver/ results driven
Specific Qualifications (if required)Degree in Banking & Finance or equivalent qualification in Banking sector with more than 5 years relevant experience in preparation and review of legal credit and security documentation on structured deals, control and monitoring function of corporate credit , * Experience and Qualifications required
• Minimum 5 years of relevant working experience in preparaton of credit and security documents, credit annual reviews and reporting for Banks / FIs
• Degree holder or equivalent qualification in Banking sector

Keyskills :
project managementcost controlltdcredit riskproblem solvingautomation