Assistant Vice President, WBG Credit Risk

China CITIC Bank International Limited; Hong Kong; On-site; HKD 900,000 - 1,200,000; Full time

Job summary

China CITIC Bank International is seeking a senior credit risk professional to evaluate and approve credit risk within Wholesale and Cross-border Banking. You will perform deep risk analysis on applications beyond standard authority and guide deals through the Credit Committee.

As a risk sponsor for large, complex transactions, you’ll advise on structure, conduct due diligence, and review risk ratings for borrowers or groups while monitoring portfolio performance and compliance.

Qualifications

• Six years of credit risk management or credit approval experience in banking.
• Knowledge of accounting principles, financial statement analysis & cash flow modelling.
• Strong credit judgment and analytical, interpersonal, and supervisory skills.

Responsibilities

• Evaluate and approve credit risk in designated wholesale and cross-border banking units.
• Perform risk analysis on applications beyond approval authority and advise Credit Committee.
• Act as risk sponsor for large/complex deals including due diligence and structure advisory.
• Review and assign risk ratings for borrowers or groups; monitor utilization and loan compliance.
• Identify and mitigate risks by evaluating negative news and initiating actions.
• Collaborate with product teams on new product development from risk perspective.

Skills

Credit risk

Credit approvals

Financial analysis

Stakeholder mgmt

Bilingual ENG/CN

Education

Bachelor's degree in Accounting/Finance/Business Admin

Tools

Excel

Risk systems

Job description

Evaluate & approve credit approval and manage asset quality of the Bank in designated business units or segment within Wholesale and Cross-border Banking.

Perform critical risk analysis on credit applications beyond individual approval authority, make recommendation and deal with credit challenge in Credit Committee to facilitate approval decision.

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.

Review, assign or approve risk rating for a borrower or a borrower group.

Evaluate negative news of borrowing customer, consider and initiate risk mitigating actions where appropriate.

Monitor account utilization, performance and loan compliance, alert marketing unit for irregularities.

Review, approve or recommend for approval of requests for excesses or exceptions.

Work with Business counterparts 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.

Involved in discussion with product groups for new product development.

Observe market intelligence and stay close to company news and announcement.

Requirements

Degree holder in Accounting, Finance, Business Administration or related disciplines.

Minimum 6 years’ credit risk management and/or credit approval experience gained from banking industry; exposure in managing China Corporates is preferable.

Thorough knowledge of accounting principles, financial statement analysis, cash flow modelling and credit administration.

Good credit judgment.

Excellent analytical, interpersonal and supervisory skills.

Able to communicate and present ideas effectively and persuasively.

Good command of written and spoken English and Chinese (including Putonghua).

Personal data collected will be used for recruitment related purposes only. Applicants not invited for interview within 6 weeks may consider their applications unsuccessful. However, applicants may be considered for other suitable positions within the Group for a period of not more than 2 years. Personal data will be destroyed at any time after 3 months.

China CITIC Bank International is committed to being an equal opportunities employer and intends to provide a work environment free of unlawful discrimination or harassment. All employment decisions will be made in a non-discriminatory manner.