cleaning

PeopleLink Services Limited; Hong Kong; On-site; HKD 900,000 - 1,200,000; Full time

Job summary

Foreign Bank in Hong Kong is seeking a high-caliber credit professional to join our corporate lending team. The role focuses on preparing term sheets, credit applications and high-quality proposals, and performing thorough credit analyses across a portfolio of corporate clients.

Responsibilities include conducting reviews, monitoring risk developments, ensuring regulatory compliance, and collaborating with Relationship Managers, Legal, Compliance and Operations to drive onboarding and booking

Qualifications

• Degree in Business, Finance, Economics or related disciplines.
• ECF-CRM, CFA or FRM qualifications are advantageous.
• 6 to 10 years of credit and financial analysis experience for corporate clients.
• Knowledge of banking lending products.
• Strong analytical and credit judgment skills.
• Excellent written and spoken English, Cantonese and Putonghua.

Responsibilities

• Prepare term sheets and new credit applications for corporate clients.
• Perform credit analysis and prepare high-quality credit proposals.
• Conduct period, interim and annual reviews of existing credit relationships and monitor portfolio performance and risk developments.
• Review client structures, ownership information, financial statements, and other supporting documentation to assess creditworthiness and identify risks.
• Monitor the progress of credit applications and onboarding activities, proactively identifying issues and driving solutions.
• Support Relationship Managers with credit inquiries and risk assessments.
• Ensure approved credit facilities comply with policies and regulatory requirements.
• Review loan documentation, security documents and conditions precedent to ensure consistency with terms.
• Perform CDD/KYC reviews and onboarding assessments.
• Partner with Relationship Managers, Credit Division, Legal, Compliance, Operations and other stakeholders through the process.
• Demonstrate ownership and accountability in managing transactions.
• Participate in special projects, portfolio reviews and process improvements.

Skills

Credit analysis

Financial analysis

Credit judgment

Risk assessment

Communication

Languages (English, Cantonese, Putongh

Education

Degree in Business/Finance/Economics

ECF-CRM or CFA or FRM (advantage)

Job description

A reputable Foreign Bank who is looking for a high-caliber candidate to join their Hong Kong office

Key responsibilities

Responsible for preparing term sheet and new credit applications for corporate clients

Preform credit analysis and prepare high-quality credit proposals

Conduct period, interim and annual reviews of existing credit relationships and monitor portfolio performance and risk developments

Review client organizational structures, ownership information, financial statements, and other supporting documentation to assess creditworthiness and identify potential risks

Monitor the progress of credit applications and onboarding activities, proactively identifying issues and driving solutions

Support Relationship Managers in addressing credit-related inquiries and client requests, provide credit recommendations and risk assessments

Ensure approved credit facilities comply with the Bank's credit policies, lending guidelines and regulatory requirements

Review loan documentation, legal agreements, term sheets, security documents, and conditions precedent to ensure consistency with approved credit terms

Perform CDD/ KYC reviews, and onboarding assessments in accordance with regulatory requirements and the Bank's policies and procedures

Partner closely with Relationship Managers, Credit Division, Legal, Compliance, Operations, and other stakeholders throughout the credit approval, documentation, onboarding, and booking process

Demonstrate strong ownership and accountability in managing assigned transactions

Participate in special projects, portfolio reviews, process improvement initiatives, and other ad hoc assignments as requested by management.

Requirements

Degree holder in Business, Finance, Economics or related disciplines, holder of ECF-CRM or CFA or FRM will be an advantage

Minimum 6 to 10 years of relevant experience in credit and financial analysis or related functions for corporate or commercial clients

Knowledge in banking lending products

Strong analytical, problem-solving, report writing, and credit judgment skills

Ownership taking and independently drive assignments to completion

Team player with a collaborative mindset and willingness to support broader business objectives

Strong interpersonal and communication skills, with business stakeholders

Proficiency in both written and spoken English, Chinese and Putonghua.