Credit Risk Manager (Credit Approval)

Bank of China (Hong Kong); Hong Kong; On-site; HKD 180,000 - 360,000; Full time

Benefits offered by this job

Medical insurance

Life insurance

Allowance programs

Job summary

Bank of China (Hong Kong) is seeking a Retail Credit Risk professional to support the implementation and monitoring of credit quality across the retail portfolio. You will develop risk strategies, ensure compliance with credit policies, and assist frontline teams in executing credit processes.

The role emphasizes accurate analysis, timely recommendations, and robust documentation. The ideal candidate has a university degree in a relevant field, 1+ year in credit/financial analysis, and fluency

Qualifications

• University degree in business, finance, accounting, economics or related discipline.
• 1 year or more experience in credit/financial analysis.
• Good knowledge of credit industry and sound credit judgment.
• Proficient in English and Chinese (Putonghua) both written and spoken.

Responsibilities

• Ensure implementation of retail credit risk management and credit quality.
• Assist monitoring changes in quality of retail credit assets and decide on risk mitigation measures.
• Develop and implement credit strategies to facilitate the credit process workflow (approval & compliance).
• Support frontline to carry out credit business per Bank policies and guidelines.
• Provide recommendations and approve credit applications within authority.
• Develop credit-related projects, products and programs.
• Improve risk management knowledge through training and consultancy within the department.
• Implement application scorecards in Decision Engine.
• Ensure documentation and Decision Engine controls are in place.

Skills

Credit analysis

Communication

Interpersonal skills

English & Chinese

Education

University Degree (Business Admin/Finance/Accounting/Economics)

Tools

Microsoft Office

Job description

Responsibilities

• Ensure the implementation of retail credit risk management and credit quality
• Assist in monitoring changes in the quality of retail credit assets, and decide on appropriate risk mitigation measures
• Develop and implement credit strategies to facilitate the credit process workflow related to approval and compliance issues
• Support frontline to carry out credit business in compliance with the Bank's credit policies and guidelines
• Provide recommendation and approve the credit application within the certain authority
• Develop credit related projects, products and program
• Improve risk management knowledge within department by providing training and consultancy support
• Implement application scorecards in Decision Engine
• Ensure all necessary documentation and Decision Engine control measures are in place

Responsibilities

• Ensure the implementation of retail credit risk management and credit quality
• Assist in monitoring changes in the quality of retail credit assets, and decide on appropriate risk mitigation measures
• Develop and implement credit strategies to facilitate the credit process workflow related to approval and compliance issues
• Support frontline to carry out credit business in compliance with the Bank's credit policies and guidelines
• Provide recommendation and approve the credit application within the certain authority
• Develop credit related projects, products and program
• Improve risk management knowledge within department by providing training and consultancy support
• Implement application scorecards in Decision Engine
• Ensure all necessary documentation and Decision Engine control measures are in place

Requirements

• University Degree with major in Business Administration, Finance, Accounting, Economics or related disciplines.
• 1 year or more experience in credit / financial analysis
• Sound knowledge of all aspects of credit industry.
• Good credit sense / credit judgment with strong communication and interpersonal skills
• Proficiency in both spoken & written English and Chinese including Putonghua.
• Good knowledge of Microsoft Office

We offer competitive remuneration package and comprehensive fringe benefits including medical and life insurance, and different types of allowances to the right candidates.

For details, please visit our website http://www.bochk.com.

Data collected would be used for recruitment purposes only.

Applicants who do not hear from us within 8 weeks may consider their application unsuccessful and their data will be destroyed within 12 months of receipt.