AVP/Manager, Secured Lending Credit Assessment & Processing

China CITIC Bank International Limited; Hong Kong; On-site; HKD 600,000 - 1,000,000; Full time

Job summary

China CITIC Bank International Limited is hiring for a senior credit professional to conduct mortgage/secured lending evaluations in Hong Kong. You will review proposals, apply credit policies, and ensure compliance with local regulations while coordinating with internal and external stakeholders.

The ideal candidate has 6–8 years’ experience in credit assessment, a solid grasp of retail banking products, and strong English and Chinese communication skills.

Qualifications

• 6–8 years’ experience in credit assessment and processing of retail banking secured lending.
• Strong knowledge of banking regulations and compliance.
• Familiar with application processing systems and UIs.

Responsibilities

• Conduct credit review, recommendations and approval for mortgage/secured lending.
• Access and approve lending applications per policies and regulatory requirements.
• Coordinate with internal and external parties for new business and approvals.
• Review and update procedures for retail secured lending products.
• Participate in projects related to secured lending and provide guidance on credit issues.
• Support onboarding and training for new joiners on credit workflows.
• Drive improvements in efficiency, risk control and credit quality through systems.
• Handle other assignments and ad hoc projects as assigned.
• Support anti-money laundering controls per CNCBI policies.
• Demonstrate initiative to add value beyond routine tasks.

Skills

Credit assessment

Retail banking knowledge

Regulatory compliance

Bilingual English/Chinese

Education

Bachelor's degree in Business/Finance/Risk Management

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Chinese word processing

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

• Conduct credit review, recommendations and approval (with delegated credit authority) to credit proposals of mortgage/secured lending in accordance with the Bank’s credit policies and guidelines as well as in compliance with local regulatory requirements
• Access / approve and make recommendation on assigned lending applications in accordance with the Bank’s credit policies and guidelines as well as in compliance with local regulatory requirements
• Co-ordinate with internal and external parties for business acquisition and credit approval process control initiatives
• Review/update application and approval procedures and guidelines for retail secured lending products
• Participate in projects relating to secured lending and provide advices on credit related issues, workflow, system user requirement / procedure and perform relevant user acceptance tests etc.
• Provide guidance to new joiners/junior team members on workflow, procedures and special tasks on credit assessment & processing matters
• Act as a key participant in initiatives of driving sustainable secured lending credit assessment and processing to cope with business needs as well as risk/compliance requirements
• Execute/Implement continuous improvement of operational efficiency, risk control, service level and credit quality through implementation of application-processing system
• Handle other credit processing assignments and ad hoc projects as assigned by supervisor
• Support frontline and adhere to anti-money laundering and counter terrorist financing controls in accordance with regulatory standards and CNCBI policies
• Demonstrates initiative to go beyond the normal routine and look for new ways to add value

Requirements

Degree holder in Business, Finance, Risk Management or related disciplines is preferred. Minimum 6-8 years’ relevant experience in credit assessment and processing of retail banking secured lending products with independent delegated approval authority is preferred. Good knowledge of retail banking business and operation, banking regulations and compliance, in particular mortgage and secured lending products. Good understanding of legal and regulatory requirements on secured lending credit assessment and approval process. Practical experience in developing/enhancing application processing system. Self-motivated and ability to work under pressure. Proficient in Microsoft Excel, Word, PowerPoint and Chinese word processing. Good command of both spoken and written English and Chinese (including Putonghua). (Candidate with less experience will be considered as Senior Manager/Manager)

中信銀行(國際)有限公司 中信銀行(國際)有限公司（"信銀國際"）是中信集團境外商業銀行業務主要平台，由中信銀行股份有限公司（"中信銀行"）全資子公司中信國際金融控股有限公司（"中信國金"）持有75% 股份。

中信銀行(國際)業務網絡覆蓋香港（21家零售網點、2家商務理財中心及1家私人銀行中心），以及位於美國、新加坡和中國澳門分行，同時通過全資子公司在中國境內提供銀行服務。

自1922年起，中信銀行(國際)與員工、客戶及夥伴一同成長，跨越一個世紀。未來將繼續以「敏捷 專業 化繁為簡」為願景，堅持「文化為本（Culture）、客戶為尊（Customer）、多方聯動（Collaboration）、科技引領（Cyberspace）」4C核心價值，積極踐行「為客戶謀價值，為員工謀幸福，為股東謀效益，為社會盡責任」的企業使命。

有關中信銀行(國際)的進一步資料，請瀏覽www.cncbinternational.com。

China CITIC Bank International Limited China CITIC Bank International Limited ("CNCBI"), a major offshore platform of commercial banking business of the CITIC Group, is 75%-owned by CITIC International Financial Holdings Limited ("CIFH"), which in turn is a wholly-owned subsidiary of China CITIC Bank Corporation Limited ("CNCB"). China CITIC Bank International's footprint includes 21 branches, two business banking centres and one private banking centre in Hong Kong, as well as branches in the US, Singapore and Macau, China, while providing banking services on the Chinese Mainland through our wholly-owned subsidiaries. Across a century, China CITIC Bank International has grown together with its employees, customers and partners since 1922 and will continue to move towards its vision of "Agile. Professional. Simple." in adherence to the 4C (Culture, Customer, Collaboration, Cyberspace) core values while driving actively its missions to "create value for customers, seek happiness for employees, make profit for shareholders, perform responsibility for society". More information about China CITIC Bank International can be found on its website at www.cncbinternational.com.