Credit Risk Manager

Bangkok Bank; Hong Kong Island; On-site; HKD 700,000 - 1,100,000; Full time

Job summary

Bangkok Bank in Hong Kong Island seeks an experienced Credit Risk professional to review credit applications, ensure policy compliance, perform risk ratings, and prepare portfolio reports. The role involves site-based work at the Hong Kong Branch and collaboration with business units across activities including collateral analysis and customer visits.

The ideal candidate holds a Finance/Accounting degree, 8+ years in financial services, and fluency in English and Chinese, with preferred

Qualifications

• Bachelor degree in Finance / Accounting or related fields.
• Min 8 years of work experience in similar capacity in financial services industry.
• Self-motivated with good communication and organizational skills.
• Ability to work under pressure and handle complex cases.
• Holder of Credit Risk Management qualification is preferred.
• Experience in trade products / derivatives is preferred.
• Proficiency in both English and Chinese is a must.

Responsibilities

• Review and evaluate credit applications submitted by the business unit, collecting information for credit analysis and presenting to the Loan Committee.
• Check CA compliance with credit policies, General Underwriting Standards and related guidelines.
• Verify accuracy of financial spreading in Bualuang metrics conducted by the business unit.
• Conduct Credit Risk Rating (CRR) and review Facility Risk Rating (FRR).
• Participate in customer visits jointly with the business unit when requested.
• Check compliance of financial covenants and report non-compliance to Department Manager; monitor exceptions.
• Conduct due diligence for local beneficiaries/buyers/suppliers of credit customers.
• Prepare quarterly collateral analysis for the HKB Credit Portfolio Quality Report.
• Prepare monthly/quarterly departmental/management reports such as the NBMCE Qualitative Report.
• Undertake any other ad-hoc assignments given by Department Manager.

Skills

English proficiency

Chinese proficiency

Communication skills

Organizational skills

Education

Bachelor degree in Finance / Accounting

Job description

Established in 1944, Bangkok Bank is one of the largest regional banks in Southeast Asia. We are a leading bank in Thailand and a market leader in corporate and business banking serving large corporations and multinationals across a wide range of industries.

Our international network includes more than 200 overseas branches in 14 economies - Cambodia, China, Hong Kong, Indonesia, Japan, Laos, Malaysia, Myanmar, the Philippines, Singapore, Taiwan, the United Kingdom, the United States and Vietnam. We are the only Thai bank with a substantial presence in China, through our wholly-owned subsidiary Bangkok Bank (China). We provide customers with financial and business advice and work with them as a trusted partner to create value for their business.

We are now seeking a high caliber candidate to join our Hong Kong Branch.

Responsibilities:

• Review and evaluate on credit applications submitted by the business unit. This is including collecting relevant information which is necessary to credit analysis and discussing with business unit to obtain clarification on credit applications. The analysis is to be submitted to the Department Manager and presented to the Loan Committee.
• Check if CA is in compliance with credit policies, General Underwriting Standards & other related guidelines.
• Check and ensure correctness of financial spreading in Bualuang metrics conducted by business unit.
• Conduct Credit Risk Rating (CRR) and review Facility Risk Rating (FRR) given by the business unit.
• Participate in customer visits jointly with the business unit upon request of business unit.
• Check the compliance of financial covenants upon receiving borrowers’ financial statement from business unit and report the non-compliance to Department Manager. Monitor exception reports and on-going news.
• Conduct due diligence checking for local beneficiaries/buyers/suppliers of credit customers.
• Prepare on quarterly basis the collateral analysis portion of the HKB Credit Portfolio Quality Report.
• Prepare departmental/management reports on monthly/quarterly basis such as the NBMCE Qualitative Report.
• Undertake any other ad-hoc assignments given by Department Manager.

Requirements:

• Bachelor degree in Finance / Accounting or related fields
• Min 8 years of work experience in similar capacity in financial services industry
• Self-motivated with good communication and organizational skills
• Ability to work under pressure and handle complex cases
• Holder of Credit Risk Management qualification is preferred
• Experience in trade products / derivatives is preferred
• Proficiency in both English and Chinese is a must

We offer excellent career prospects to the right candidate. Salary will be commensurate with qualifications and experience.

Personal data provided by job applicants will be used solely for considering suitability for the post and strictly in accordance with our personal data policies which are available on request.

(Only shortlisted candidates will be contacted)