Job Responsibilities : To independently review and assess various types of credit applications, mainly in securitization deals with financial models / modelling cash flows to undertake financial analysis, and any other similar types of business submitted by business units; prepare concise executive summary to seek approval from relevant authorities. To establish action plan for credits likely to deteriorate in order to minimize credit costs. To manage and maintain the accuracy of registration of credit monitoring system and client database, and to instruct business units to modify data if necessary. To participate with documentation negotiation in order to ensure that documentation is in line with credit approvals and SMBC standard. To conduct credit portfolio analysis in terms of countries, corporate groups, industry commodity / segments, currency risks, internal grading, type of financial product, etc. from time to time. To monitor and proactively control credit exposures for increas...