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Job Ref: 14414

Salary: $170,000 – $170,000

Role Purpose:
Examine and evaluate loans such as commercial real estate (“CRE”) loans with
higher risks; recommend, implement and report workout strategies and risk management practices by performing the necessary duties detailed below; Act as a key contact point internally and externally on issues around loan (including but not limited to CRE) workout of the bank.

Key Responsibilities (but not limited to):

  • Assure timely and satisfactory resolution of all workouts subject to applicable regulations and internal policies both at the bank and Head Office level.
  • Interview Borrower/Guarantor, request and analyze required information for loan workout analysis.
  • Analyze Borrower/Guarantor financial status, credit, and property or other collateral evaluation to determine viability of a project and work with credit analysts for verification and recommendation.
  • Correspond with other institutions of syndication group (if applicable) of the loan on update, progress, and negotiations around loan workout.
  • Compile forbearance request and facilitate negotiation of forbearance structure, or implementation of the remedies with Borrower/Guarantor, including rates, fees, repayment terms, liquidation options, and other terms.
  • Present modification or forbearance requests to the Credit Committee (both at the bank and Head Office level where applicable) for approval.
  • Ensure documents and agreements are complete and accurate according to policy.
  • Summarize and strategize and document frequently with the DGM and other senior management members to structure the optimum approaches and strategies for individual workouts.
  • Prepare reports on loan workout analysis, progress, and strategy implementation to Head Office.
  • Assume other duties deemed appropriate by Head of RMD.

Skills, Experience and Qualifications:
Ideal candidate should have:

  • Bachelor’s degree in relevant field such as Business or Economics.
  • A minimum of 5 years of commercial credit risk management or lending experience ideally at a commercial bank; 3 or more years of direct loan workout experience.
  • Advanced financial analysis skills and thorough knowledge of commercial loan structuring and loan structures.
  • Ability to work collaboratively with others.
  • Confidentiality of sensitive data and a high level of ethics is essential.
  • Excellent written and oral communication required.
  • Knowledge of Chinese (both writing and reading) a plus.

Salary Range:
Dependent on experience and skill

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