Credit Analyst , Credit Approval (PB, AM, DCM)

Industrial Bank Co., Ltd. Hong Kong Branch; Hong Kong; On-site; HKD 480,000 - 700,000; Full time

Job summary

Industrial Bank Co., Ltd. Hong Kong Branch is seeking a seasoned private banking professional to support credit-related activities across private banking, asset management and debt capital market underwriting.

You will conduct credit assessments, perform due diligence, maintain credit parameters in the system, and participate in user acceptance testing while ensuring compliance with HKMA rules and internal policies.

Qualifications

• Bachelor Degree holder in Banking, Finance, Accounting, Business, or related discipline.
• FRM holder is definitely a plus.
• Minimum 3 years relevant experience in private banking or wealth management, with credit underwriting experience preferred.
• Good analytical and credit assessment skills, with sound knowledge of HKMA requirements and relevant rules.
• Good command of written and spoken English & Chinese; basic Mandarin speaking is a must.
• Proficiency in MS Office; knowledge of VBA is advantageous.

Responsibilities

• Support Private Banking credit business, Asset Management and Debt Capital Market bond underwriting related tasks.
• Conduct credit assessments, provide comprehensive due diligence and credit analysis to evaluate client creditworthiness.
• Maintain on credit parameters in system, and participate in UAT on system development on credit related aspects.
• Assess applications including investment product onboarding, discretionary investment portfolio proposal, Bond underwriting proposal etc; ensure regulatory compliance and internal policies; make reliable recommendations.
• Contribute to special tasks: participate in ad-hoc initiatives.

Skills

Credit assessment

Due diligence

Credit analysis

UAT

Regulatory knowledge

HKMA rules

MS Office

VBA

English & Chinese

Mandarin

Financial products

Financial risk

Education

Bachelor's degree

FRM

Job description

• Mainly responsible in supporting Private Banking credit business, Asset Management and Debt Capital Market bond underwriting related tasks.
• Conduct credit assessments, provide comprehensive due diligence and credit analysis to evaluate client creditworthiness, surface irregularities for further actions.
• Maintenance on credit parameters in system, and participate in UAT on system development on credit related aspects
• Perform assessment on variety of applications including investment product onboarding, discretionary investment portfolio proposal, Bond underwriting proposal etc, ensure compliance with regulatory requirement and internal policies, and make reliable recommendation.
• Contribute to special tasks: participate in ad-hoc initiatives
• Bachelor Degree holder or above in Banking, Finance, Accounting, Business, or related discipline. Holder of FRM is definitely a plus.
• Minimum 3 years relevant experience in private banking or wealth management, with credit underwriting experience is preferred.
• Good analytical and credit assessment skills, with sound knowledge in HKMA requirements and relevant rules.
• Good knowledge in financial products, understand embedded risk on different types of financial instrument.
• Good time management and ability to work in a fast-paced working environment. Reliable , pleasant personality and positive working attitude.
• Good command of written and spoken English & Chinese, basic Mandarin speaking is a must.
• Computer literate and proficient in MS Office application, especially Excel. Knowledge on VBA would be a definite advantage.