Lead, Credit Initiations - Unsecured Lending Underwriting

Standard Chartered Bank (Hong Kong) Ltd; Hong Kong; Hybrid; HKD 420,000 - 640,000; Full time

Benefits offered by this job

Retirement benefits

Life insurance

Annual leave

Job summary

Standard Chartered Bank (Hong Kong) Ltd is seeking a Credit Initiation Operations professional to assess and approve unsecured lending products within delegated authority. You will review credit reports, financial statements, and other documentation to determine creditworthiness and approve applications in line with policy and regulatory guidelines.

The role emphasizes quality assurance of underwriting processes, timely credit approvals, and collaboration with stakeholders to implement changes.

Qualifications

• 5–8 years of experience in Credit Initiation Operation on unsecured loan products.
• Bachelor degree or equivalent professional qualification.
• Strong self-motivation and project management skills.
• Ability to interpret credit reports and financial statements.
• Knowledge of HKMA guidelines.

Responsibilities

• Perform manual credit underwriting in Unsecured Lending products acquisition and limit increase approval within delegated authority and ensure the credit approvals are complying with Credit Policy and HKMA guidelines
• Review and analyze applicants’ credit reports, financial statements, and other relevant documentation to assess creditworthiness to recommend or approve applications
• Quality assurance in underwriting and well manage on the credit approval process turnaround time
• Facilitate and support the launch of new product/ projects. Lead the Credit Initiation Operation to identify, coordinate, drive and implement the changes
• Design and review operation flows from time to time. Support UAT and implementation for the underwriting process change
• Collaborate and sharing with other stakeholders on risk identifications in post approval review
• Ensure all Credit Initiation policies and procedures comply with Credit Policies and Standards. Ensure proper and updated documentation in place
• Keep abreast of prevailing market developments, industry knowledge, the Bank's policies/ guidelines and regulatory requirements

Skills

Credit underwriting

Unsecured lending

Credit analysis

Policy compliance

Stakeholder collaboration

Education

Bachelor degree in finance/economics/business

Job description

Standard Chartered Bank (Hong Kong) Ltd is seeking a Credit Initiation Operations professional to assess and approve unsecured lending products within delegated authority. You will review credit reports, financial statements, and other documentation to determine creditworthiness and approve applications in line with policy and regulatory guidelines.

The role emphasizes quality assurance of underwriting processes, timely credit approvals, and collaboration with stakeholders to implement changes.