Credit & Collections Specialist

HL Bank Singapore; Hong Kong; Vor Ort; HKD 700.000 - 1.000.000; Vollzeit

Zusammenfassung

Hong Leong Bank in Hong Kong is seeking a proactive credit professional to safeguard asset quality across corporate and commercial portfolios. You will focus on credit administration with evaluation and collections/recovery responsibilities, reporting to the Head of Credit.

The role requires 5+ years in commercial banking, strong knowledge of credit products, financial analysis, and HKMA guidelines, plus fluency in English and Chinese. Local regulatory experience is essential.

Qualifikationen

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• Minimum of 5 years of commercial/corporate banking experience across credit analysis, credit administration, or loan workout/recoveries.
• Sound understanding of commercial banking credit products, financial statement analysis, cash flow projections, and credit risk rating systems.
• Experience in handling MCRA, CCRA and IIDS reporting and daily administrative operations.
• In-depth knowledge of local HKMA regulatory requirements and legal debt recovery procedures in Hong Kong.
• Strong negotiation, problem-solving, and analytical skills, with fluency in spoken and written English and Chinese.

Aufgaben

• Review approved credit proposals, facility letters, and legal documentation prepared by Relationship Managers to verify compliance with approved terms and conditions.
• Oversee credit administration workflows, ensuring the perfection of collateral, mortgages, guarantees, and security instruments.
• Execute loan disbursements, input credit limits into customer ledgers, and manage drawdowns, rollovers, repayments, and redemptions.
• Monitor active client accounts to ensure operations remain within set limits and maintain safe-keeping of credit files and legal documents.
• Prepare MIS and portfolio risk reports for management review and maintain schedules for credit reviews.
• Perform periodic credit reviews on existing accounts to re-evaluate risk profiles.
• Formulate manageable payment arrangements for overdue clients and escalation high-risk accounts when necessary.
• Ensure strict adherence to HKMA regulatory guidelines, local legal requirements, and Head Office policies.
• Update standard operating procedures (SOPs) and collaborate with business units on product papers, manage daily system administration for IIDS, TUCIS, CCRA and conduct UAT upon request.

Kenntnisse

Credit analysis

Credit administration

Loan recoveries

Financial analysis

Cash flow projections

English & Chinese

Ausbildung

Bachelor’s degree in Finance, Accounting, Economics, Business Administration

Jobbeschreibung

If you are looking to excel and make a difference, take a closer look at us…

Overview

We are seeking a proactive and detail-oriented credit professional to join our Hong Kong Branch to safeguard asset quality across corporate and commercial banking portfolios. Reporting to the Head of Credit, this role primary focuses on credit administration, supplemented by credit evaluation and collections/recovery management.

Responsibilities

• Review approved credit proposals, facility letters, and legal documentation prepared by Relationship Managers to verify compliance with approved terms and conditions.
• Oversee credit administration workflows, ensuring the perfection of collateral, mortgages, guarantees, and security instruments.
• Execute loan disbursements, input credit limits into customer ledgers, and manage drawdowns, rollovers, repayments, and redemptions.
• Monitor active client accounts to ensure operations remain within set limits and maintain safe-keeping of credit files and legal documents.
• Prepare MIS and portfolio risk reports for management review and maintain schedules for credit reviews.
• Perform periodic credit reviews on existing accounts to re-evaluate risk profiles.
• Formulate manageable payment arrangements for overdue clients and escalation high-risk accounts when necessary.
• Ensure strict adherence to HKMA regulatory guidelines, local legal requirements, and Head Office policies.
• Update standard operating procedures (SOPs) and collaborate with business units on product papers, manage daily system administration for IIDS, TUCIS, CCRA and conduct UAT upon request.

Skills & Experience We Are Looking For

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• Core or Professional level qualification under the HKMA Enhanced Competency Framework (ECF) for Banking Practitioners is highly preferred.
• Minimum of 5 years of commercial/corporate banking experience across credit analysis, credit administration, or loan workout/recoveries.
• Sound understanding of commercial banking credit products, financial statement analysis, cash flow projections, and credit risk rating systems.
• Experience in handling MCRA, CCRA and IIDS reporting and daily administrative operations.
• In-depth knowledge of local HKMA regulatory requirements and legal debt recovery procedures in Hong Kong.
• Strong negotiation, problem-solving, and analytical skills, with fluency in spoken and written English and Chinese.

About Hong Leong Bank

We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China.

We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our "Digital at the Core" ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation.