Assistant General Manager, WBG Credit Risk (Risk Management)

China CITIC Bank International Limited; Hong Kong; On-site; HKD 900,000 - 1,500,000; Full time

Job summary

China CITIC Bank International Limited is seeking an experienced credit risk professional to manage credit approval and asset quality for a designated portfolio in Hong Kong. The role requires leading risk analysis, providing recommendations for Credit Committee approvals, and acting as a risk sponsor for large and complex deals in pre-screening and structuring from a risk perspective.

You will collaborate with business partners on proactive credit management, including migration monitoring,

Qualifications

• Degree holder in Accounting, Finance, Business Administration or related disciplines.
• Professional qualification e.g. CCRP(CPM), FRM or CFA preferred.
• Minimum 10 years credit risk experience with approval authority.
• Thorough knowledge of accounting principles, financial statement analysis, cash flow modelling and credit administration.
• Good credit judgment, analytical with good communication skills.
• Good command of written and spoken English and Chinese (including Putonghua).

Responsibilities

• Manage credit approval and asset quality management for the designated portfolio.
• Perform critical risk analysis on credit application, identify potential risks and make recommendations for Credit Committee approval.
• Act as a risk sponsor of large and complicated deals in terms of pre‑screening process, advisory of product/transaction structure from risk perspectives and project due diligence.
• Work with business counterpart in proactive credit management of the designated credit portfolio in terms of credit migration monitoring, stress testing and early alert as well as criticized portfolio management.
• Monitor account utilization, performance and loan compliance, alert marketing unit for irregularities.

Skills

Credit risk

Financial analysis

Cash flow modelling

Risk assessment

Communication skills

Education

Degree in Finance

Accounting

CFA/FRM/CCRP

Job description

Mandatory Reference Checking Scheme (“MRC”) for Hong Kong
The Mandatory Reference Checking Scheme is a framework to facilitate Authorized Institutions ("AIs") to bilaterally obtain reference information during their recruitment process for certain positions, such that misconduct information in an individual’s previous employments can be provided to AIs to inform their employment decisions. For information related to MRC Scheme, "Frequently Asked Questions for In Scope Individuals" is published by HKAB/Industry Guidelines (https://www.hkab.org.hk/en/home) or further information will be available upon request, if it is applicable to the position(s) applied.

Country of Location: China Hong Kong

Job Responsibilities

• Manage credit approval and asset quality management for the designated portfolio.
• Perform critical risk analysis on credit application, identify potential risks and make recommendations for Credit Committee approval.
• Act as a risk sponsor of large and complicated deals in terms of pre‑screening process, advisory of product/transaction structure from risk perspectives and project due diligence.
• Work with business counterpart in proactive credit management of the designated credit portfolio in terms of credit migration monitoring, stress testing and early alert as well as criticized portfolio management.
• Monitor account utilization, performance and loan compliance, alert marketing unit for irregularities.

Requirements

• Degree holder in Accounting, Finance, Business Administration or related disciplines.
• Professional qualification e.g. CCRP(CPM), FRM or CFA preferred.
• Minimum 10 years credit risk experience with approval authority.
• Thorough knowledge of accounting principles, financial statement analysis, cash flow modelling and credit administration.
• Good credit judgment, analytical with good communication skills.
• Good command of written and spoken English and Chinese (including Putonghua).
• (Candidate with less experience will be considered as Vice President.)