Senior Manager/Manager, Business Banking Credit Approval (Bank)

Our client, a famous Bank in Hong Kong, is currently seeking for talents to join their team.

Our recruitment consultants will provide tailor-made advices for individual job seeker.

Responsibility:

• Responsible for credit risk assessment on new credit applications / annual review from business unit for the SME market.
• Ensure the credit applications are complied with the bank’s risk appetite, credit policies and local regulatory requirements.
• Discuss and structure appropriate credit terms & condition on credit applications. • Approve credits within his/her delegated authority.
• Conduct post approval monitoring, customer visit and/or inspection, if necessary. • Identify early warning signals and monitor creditworthiness of borrowers to take prompt risk mitigation actions and minimize potential credit loss.
• Assist department head in design, develop and implement end to end credit process.
• Assist department head in credit portfolio management, ECL reporting and/or analysis.
• Support (as an end user) system development and implementation to automate/streamline the existing manual process.
• Take up credit projects assigned by department head.

Requirement:

• At least 7 years of experience in commercial credit analyst or approver.
• Approving authority at HKD10M or above at other banks.
• Solid knowledge of the local commercial market, especially the SME market.
• Good communication skill in verbal and written English & Chinese.
• Able to work under pressure and meet deadline for credit reviews and relevant risk control measures.
• Able to work independently.
• University graduate preferably in risk management discipline.
• Professional qualification such as CPA, CFA, FRM, HKIB – CRM is a plus.
• Self-motivated and detail-minded with strong risk control sense.
• Experiences in using Moody's Analytics CreditLens, other credit model, stress testing are preferable.

Personal data collected will be used for recruitment purpose only.

Our client offers successful candidates an attractive remuneration package, comprehensive benefit package and excellent career prospects. Interested parties please send your resume with covering letter in MS Word format, stating notice period, current or last and expected salary to [email redacted, apply via Company website] cc [email redacted, apply via Company website], quoting the position and reference number (if any).

The Mandatory Reference Checking (MRC) Scheme is a regulatory framework established by the Hong Kong Monetary Authority, which requires banks to check the conduct history of prospective employees for positions defined under the scheme. Therefore, MRC will be a part of our selection process if you apply for the in-scope positions. For details, please refer to the “Frequently Asked Questions for In-Scope Individuals” (https://www.hkab.org.hk/en/page/5/mandatory-reference-checking-scheme-phase-2) published by HKAB.

Full-time