Credit & Collections Specialist

Hong Leong Bank; Hong Kong; On-site; HKD 600,000 - 900,000; Full time

Job summary

Hong Leong Bank in Hong Kong is seeking a proactive credit professional to safeguard asset quality across corporate and commercial portfolios. The role focuses on credit administration, with evaluation and recoveries support, reporting to the Head of Credit.

The ideal candidate has 5+ years in commercial banking, strong analytical skills, and fluency in English and Chinese. You will handle collateral perfection, loan disbursements, and regular risk reporting in a fast-paced environment.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration or related discipline.
• HKMA Enhanced Competency Framework (ECF) preferred for Banking Practitioners.
• Min 5 years of commercial/corporate banking experience in credit analysis or administration.
• Knowledge of HKMA regulatory requirements and legal debt recovery procedures in HK.

Responsibilities

• Review credit proposals, facility letters and legal documents for compliance with terms.
• Oversee credit administration workflows and perfection of collateral and security instruments.
• Execute loan disbursements, manage drawdowns, repayments and redemptions.
• Monitor active accounts to ensure limits, and maintain credit files and documents.
• Prepare MIS and portfolio risk reports for management review.
• Perform periodic credit reviews to re-evaluate risk profiles.
• Develop payment arrangements for overdue clients and escalate high-risk accounts.
• Ensure adherence to HKMA guidelines, local laws and Head Office policies.
• Update SOPs and manage system administration for IIDS, TUCIS, CCRA; conduct UAT when requested.

Skills

Credit analysis

Credit administration

Loan workout

Financial statement analysis

Cash flow projection

HKMA regulatory knowledge

English and Chinese fluency

Education

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

Tools

MCRA

CCRA

IIDS

Job description

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 elevate 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.

Hong Leong Bank ("HLB") stands proudly as a leading financial services institution based in Malaysia, providing a wide range of comprehensive and innovative financial solutions across the region.

These services are delivered through both digital and traditional means, via online and mobile banking, as well as our digital branch concept to provide customers with an efficient and seamless experience aided by technology.

As the service and financial landscape changes rapidly with the ever-increasing use of technology, staying attuned to customers needs and desires becomes even more critical to HLB’s operations.

To stay ahead of these dynamic changes, the Bank has adopted the approach of reimagining banking by embedding digital considerations and customer centricity in every aspect of our operations, from products and services as well as customer care and engagement.

HLB’s ethos of being Digital-At-The-Core powered by customers-at-the-forefront will continue to lead us to innovate offerings in line with our aspiration of being a highly digital and innovative financial services organization.