Financing and Client Services (FCS) – Loan and Agency Middle Office Job at Crédit Agricole (Singapour)

Job Description

Business type: Types of Jobs - Corporate & Investment Banking. Job title: Financing and Client Services (FCS) – Loan and Agency Middle Office. Contract type: Permanent Contract. Entity: Crédit Agricole CIB is the corporate and investment bank of the Crédit Agricole group, the 10th largest banking group in the world *. We support major companies and financial institutions in their development and the financing of their projects. As pioneers in responsible finance, social and environmental commitments are at the heart of our activities. Joining our teams means working in a multicultural environment, both dynamic and stimulating, where you will contribute to developing a sustainable economy. We support employees throughout their journey: you will develop your skills and access various mobility opportunities among the diversity of our businesses in more than 30 international locations. Our culture is built on collaboration, innovation and openness, where everyone is valued and empowered. By working every day in the interest of society, Crédit Agricole CIB aligns with the Group values committed to diversity and inclusion and placing people at the heart of all its transformations. All our jobs are open to people with disabilities. We welcome applications from candidates of all backgrounds and experiences.

Job Responsibility

Confirmation and monitoring of Conditions Precedent (CPs) prior to loan activation
Monitoring scheduled activities across loan portfolios including drawdowns, rollovers, repayments, and interest settlements
Liaising with Borrowers and Lenders to ensure timely execution of loan lifecycle events
Coordinating with external legal counsel on facility documents, amendments, waivers and legal consents
Working closely with Front Office and Credit Monitoring Risk team to ensure all relevant approvals and signoffs are obtained for any Agency-led decisions
Provide input and comments on loan documentation (Agency/Participation/Bilateral facilities)
Monitor and oversee the processing of loan related activities including drawdown, rollover, fee/interest apportionment, repayments, etc
Ensure loan portfolio remains accurate and compliant within internal banking systems
Monitor Borrowers compliance with submission of documentary and financial covenants and process/coordinate waiver request if required
Attend to queries from Borrowers, Lenders, Investors, and transactional partners in a timely and professional manner
Support the operational management of credit risk insurance arrangements linked to financing transactions, including coordination with the insurers, monitoring policy conditions, premium payments, and insured exposure reporting
Partner closely with Front Office and Coverage teams to support deal execution and ensure operational readiness for new transactions
Provide operational guidance during the structuring and closing phases of transactions to ensure efficient implementation
Providing indicative loan or deposit rates to clients on a daily or weekly basis where required
Liaise with Treasury for base rates and confirm applicable margins with Front Office prior to communicating to clients
Coordinate with Finance where large transactions require monitoring of regulatory or prudential ratios
Managing bilateral loans and deposits processing for clients in scope
Respond to Client’s queries relating to account balances, facility utilization, account statement, and audit confirmations
Provide client services and support for cash management activities where applicable
Ensure that all transactions are executed within approved credit approval conditions, documentation, target operating model and regulatory frameworks
Monitor portfolio triggers, utilization, and exception items with timely escalation where necessary, and prepare portfolio monitoring reports
Contribute to audit readiness and internal control processes
Support workflow improvement through process automation and operational efficiency initiatives, including the use of AI internal tool, automation tools and excel macros
Participate in User Acceptance Testing (UAT) and tool enhancements
Contribute to the initiative aimed at improving data accuracy, operational controls and transaction efficiency
Contribute to ongoing development of the FCS Target Operating model (TOM) and departmental transformation initiatives
Support ad hoc projects, new activity and cross-functional improvement initiatives within FCS
Act as subject matter resource for Agency and transaction management processes and provide training to junior team member if needed
Support any ad-hoc tasks depending on the team capacity

Requirements

Bachelor Degree / BSc Degree or equivalent
A bachelor’s degree or higher level of education in Banking & Finance
At least 6-12 years’ relevant experience in Banking and Middle Office, Agency and Loan Operations, syndicated lending operations, client servicing, transaction banking within corporate investment Banking
Strong understanding of syndicated loan structures, facility agreements, and loan lifecycle management
Experience coordinating complex transactions across multiple internal and external stakeholders
Effective communicator and collaborative team player with strong client service orientation
Organized, detail-oriented, and capable of working under tight deadlines
Ability to work independently, eager to learn, proactive, and multitasking to manage priority
Demonstrated capability for problem solving, decision making, sound judgment, assertiveness
Strong relationship building and interpersonal skills to ensure good relationship with front office and other support functions
Self-motivated and excellent team player
Fluency in English and Mandarin (oral and written)
Advanced excel capabilities, including ability to build and maintain VBA/macros and reporting tools

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Financing and Client Services (FCS) – Loan and Agency Middle Office

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