Loans and Credit Officer - Banking Funds Finance

The Fund Finance Group (FFG) of this Global Banking Group ,who operates as a Product Office within the Bank, delivering tailored lending solutions to asset managers and their funds. Its primary objective is to drive "bundled" business , by complementing traditional lending with off-balance sheet, revenue generating services such as Fund Administration. The team focuses primarily on Subscription Finance and select Net Asset Value (NAV) lending structures.

Comprising of expatriates and locally hired staff, the department is diverse and well rounded. Team responsibilities range from credit analysis, deal structuring and negotiation with internal and external clients, legal documents review, portfolio monitoring, and the preparation and presentation of credit approvals. Purpose The role is responsible for loan administration, credit monitoring and administration and supporting credit risk management of the fund finance portfolio.

The role emphasises accurate loan processing compliance and developing insightful credit analysis to aid decision-making and support client relationships with a team spirit mind-set.

Key Responsibilities Loan Administration Process client loan drawdown and repayment requests, verifying requested amounts against borrowing bases. Coordinate with team members and Operations to ensure that client requests are handled accurately and professionally. Input related fund, facility and asset manager data into the Fund Finance system (launching in 2025), ensuring data integrity and accuracy. Monitoring Conduct basic portfolio monitoring, including checks on collaterals, investors, covenants and facility fees, etc.

recording results in tracking databases, management sheets or investor listings. Prepare source material for monitoring, error and management reports. Check news articles related to FFG and monitor for early warning signs of credit issues, or potential defaults, escalating concerns to fund finance management as needed. Update the loan monitoring database and liaise with Loan Administrators or clients for drawdown arrangements.

Ensure that required documents related to new facility closing have been correctly prepared. Credit analysis and review Prepare credit papers and memorandum related to fund finance transactions, including MUTB specific ”ringi” loan applications, other credit papers and Internal Credit Rating documents (“ICRSO”). Undertake investor analysis for a range of assigned accounts to identify credit and operational risks inherent in each transaction.

Negotiate with Credit Supervisory Office in relation to credit points raised. Undertake 1st level review and check of “ringi” documentation and loan documentation, before documents are distributed. Client Onboarding Prepare necessary Back Office Instructions to support client onboarding. Credit Administration Prepare inputs for profit reports and support loan drawdown preparation through ensuring all documentation is in place.

Qualifications:

Degree in Finance, banking, mathematics or accounting discipline is preferred . Professional certifications such as CFA (Chartered Financial Analyst), FRM (Financial Risk Manager), or similar financial qualifications are desirable but not essential.

Required Skills:

3-4 years of experience in banking and finance services with a focus on loan administration, credit risk management/analysis or Fund Finance operations. Ability to prepare and interpret basic loan and credit documentation, ensuring accurate input into the rating database. Basic proficiency in loan application databases, ensuring accurate data entry and adherence to internal controls. Ability to accurately complete Back Office Instructions for client onboarding, maintaining high attention to detail.

Basic understanding of bank policies and procedures, especially as they apply to loan and credit administration. General understanding of credit policies to support accurate loan application drafting and effective credit monitoring.