Credit Analyst

Credit Analyst - Energy and Renewables, Institutional Banking Group

We are looking for a Credit Analyst to join the Energy and Renewables team at DBS London on a 12-month fixed-term contract.

The successful candidate should have a experience of Energy and Renewable clients with strong credit analysis and interpersonal skills. They will work within a growing team, with a strong emphasis on team collaboration, and a remit to expand the existing portfolio. It is an exciting opportunity to work in a high-performance and dynamic team at a top tier bank, with a focused strategy on developing our franchise in Asia, through our relationships with European Energy and Renewable clients.

Key Accountabilities

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• Maintain and improve relationships with the energy and renewables client base and broaden market and corporate knowledge.
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• Strong focus on identifying additional earning opportunities through a thorough knowledge of the client, the sector and the Bank’s product capabilities.
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• To provide strategic and marketing support to Relationship Managers.
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• Contributing to ensure the annual team income budget is met or surpassed.
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• Ensuring the satisfactory credit profile of the portfolio, through production of concise credit analysis in a timely manner for review by the credit risk team and on-going risk monitoring. Includes proficiency with reviewing financial information, producing analysis and having the capability to produce financial forecast modelling.
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• To be aware of structural risk and documentary issues and be able to execute, monitor and respond to such issues over the lifetime of facilities.
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• Ensuring compliance with regulations and bank internal policies and procedures, including Know-Your-Customer requirements.
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Job Duties & Responsibilities

Credit:

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• Structuring accurate, concise and comprehensive credit applications and annual credit reviews, through assessment of a company’s financials, strengths and weaknesses together with industry analysis, in line with DBS risk parameters as part of an overall risk return assessment.
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• To provide ongoing risk monitoring of the client portfolio, including analysis of financial information, financial covenant performance and stress testing where appropriate.
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• Ensure effective execution of all facilities post credit approval including legal documentation review and negotiation. Documentary support post facility close including management of amendments, waivers and related issues.
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• Ensure good working knowledge of DBS credit policies and procedures.
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Relationship:

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• Relationship management of existing clients, ensuring that maximum returns are generated in line with credit approval parameters. Being available for travel to Europe and Asia will be involved.
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• To provide relationship manager client support and business development activity, as well as client administration and documentation.
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• Build good working relationships, and ensure good co-operation with other departments, including cross-border with colleagues in our Singapore head office, and throughout the DBS network.
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• Provide timely response and resolution to client and colleague queries/problems.
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Compliance:

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• Ensure compliance with internal and external regulations, policies and guidelines.
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Please note to apply for this role you must have the right to work in the UK and do not require sponsorship now or in the future.