Assistant Vice President, Credit Analyst

Credit Review

• Evaluate new investments in the Primary and Secondary Markets by performing fundamental credit analysis, which covers economic, financial, cash flow, debt and governance risk (eg. financial covenants) analysis.
• Interpret and analyze market sector activity impact on credit risk & credit rating.
• Industry sector coverage of minimum 6.
• Compile detailed financial models and projections and applying economic and industry analysis to produce sectors recommendation for debt securities,.
• Formulate a clear and concise credit view and recommendations in writing. Kept up to date files on all credits.
• Prepare internal memo with recommendation of credit limit to seek Credit Underwriting concurrence.

Credit Monitor – Early Warning

• Perform on-going monitoring of issuer creditworthiness.
• Conversant and be updated on issuer’s announcements or press release and the rating rationales released by the rating agency.

Review Internal ESG Rating

• Assess, evaluate and review the internal ESG rating for all bond issuers.
• Review and quantify the key drivers for Environmental & Climate risk

Compliance – Regulatory & Policy

• Conversant with the relevant acts, rules and regulations affecting the issuer’s business and the debt securities industry and be conversant with all statutory modifications and re-enactments as may be introduced thereto.
• Maintain compliance at all times with the relevant internal policy and guidelines relating to investment evaluations.
• Build and maintain an updated ‘Pre-approved Master List’ from time to time.  The Pre-approved Master List shall contain the (i) exempted securities (automatic qualifiers) and reason for exemptions (i.e. subject to Government guarantee is in place); (ii) New Issues; and (iii) Existing Issues.

Others

• Display teamwork and work closely with other colleagues at all times.
• Ad-hoc assignments relating to credit review of debt securities investment.