Credit Manager

Agricultural Bank Of China Limited; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

Agricultural Bank Of China Limited in Hong Kong seeks an experienced credit risk professional to prepare independent assessments for credit proposals from marketing teams, covering large corporates and financial institutions. You will monitor risk signals, report material issues, and ensure adherence to credit policies and regulations.

The role requires at least five years of relevant experience, strong analytical skills, and fluency in English and Chinese (Putonghua required).

Qualifications

• Minimum 5 years of relevant credit risk experience with reputable financial institutions.
• Experience in credit risk assessment of syndicated loans, bilateral loans, trade finance facilities and bonds for large corporations and mid-cap companies.
• Experience in credit risk measurement and monitoring of investment and treasury products.
• Fluent in English and Chinese; Putonghua is a must.

Responsibilities

• Prepare independent credit assessments for credit proposals from marketing departments across large corporate and FI clients.
• Monitor and follow up credit risk for a portfolio of corporate and FI customers; propose remedial actions when risk signals are identified.
• Report risk monitoring results and material credit issues to Section Head on a regular basis.
• Ensure strict adherence to Bank’s credit policies and external regulatory requirements during credit approval and daily monitoring.
• Assist Section Head in developing and performing the Bank’s overall credit risk strategy.

Skills

Credit risk analysis

Financial risk assessment

Independent thinker

Bilingual English/Chinese

Education

University degree

Job description

• Prepare independent credit assessment for credit proposals of large corporate and financial institutions submitted by marketing departments, including but not limited to macro-economic risk analysis, industry risk analysis, business risk analysis, financial risk analysis, management risk analysis, facility structure analysis, collateral risk analysis, etc. Products include bilateral loans, syndication loans, trade finance, bonds, treasury & derivative products, etc.
• Monitor and follow up credit risk of a portfolio of corporate and FI customers, and propose remedial actions when risk signals are identified.
• Report regularly the risk monitoring results and material credit issues to Section Head.
• Make sure the Bank’s credit policies and external regulatory requirements are strictly adhered in credit approval process and daily risk monitoring.
• Assist Section Head in developing and performing the Bank’s overall credit risk strategy.

Requirements

• University degree or equivalent with minimum 5 years of relevant credit risk working experience with reputable financial institutions, well-versed in credit risk assessment of syndicated loans, bilateral loans, trade finance facilities and bonds for large corporations and mid cap companies. Experience in credit risk measurement and monitoring of investment and treasury products.
• Analytical with good judgment and knowledge in credit risk, loan products and market situations.
• Able to work independently and meet deadlines of urgent cases.
• Good interpersonal skills, confidence, self-motivated, hardworking and can work under pressure
• Good command of written and spoken English and Chinese. Fluent Putonghua is a must.
• For candidate with more working experience will consider the role of Senior Manager