(Assistant) Vice President, WBG Credit Risk

China CITIC Bank International Limited; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

China CITIC Bank International Limited invites applications for a Vice President, WBG Credit Risk in Hong Kong to evaluate and approve credit applications and oversee asset quality within designated business units of Wholesale and Cross-border Banking.

You will perform advanced risk analysis beyond local approval authority, make recommendations and address credit challenges in Credit Committee to facilitate decision making.

Qualifications

• Minimum 6 years’ credit risk management and/or credit approval experience.
• Exposure in managing China Corporates is preferable.
• Thorough knowledge of accounting principles, financial statement analysis, cash flow modelling and credit administration.
• Good credit judgement.
• Excellent analytical, interpersonal and supervisory skills.
• Able to communicate and present ideas effectively in English and Chinese (Putonghua).

Responsibilities

• Evaluate and approve credit applications and manage asset quality in Wholesale and Cross-border Banking.
• Perform risk analysis beyond approval authority and participate in Credit Committee decisions.
• Backstop risk sponsor for large and complex deals including pre-screening and advisory on structure.
• Review, assign or approve risk ratings for borrowers or borrower groups.
• Monitor account utilization, performance and loan compliance; alert marketing on irregularities.
• Work with business counterparts on proactive credit management and stress testing.

Skills

Credit risk analysis

Analytical skills

Interpersonal skills

Presentation skills

Bilingual English/Chinese

Education

Accounting/Finance/Business Administration degree

Job description

(Assistant) Vice President, WBG Credit Risk

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).

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.