Manager to AVP , Credit Analyst (PB, AM, DCM)

Industrial Bank Co. Ltd., Hong Kong Branch; Hong Kong; On-site; HKD 550,000 - 900,000; Full time

Job summary

Industrial Bank Co. Ltd., Hong Kong Branch is seeking a Manager to AVP, Credit Analyst to support Private Banking credit business, asset management and debt capital market activities.

You will conduct credit assessments and due diligence to evaluate client creditworthiness and surface irregularities for remedial actions. The ideal candidate holds a Bachelor's degree in Banking/Finance/Accounting/Business, with FRM as a plus, and at least 3 years' experience in private banking or wealth

Qualifications

• Bachelor degree in Banking, Finance, Accounting, Business or related discipline.
• FRM is a plus.
• Minimum 3 years of relevant experience in private banking or wealth management with credit underwriting experience preferred.
• Strong analytical and credit assessment skills with knowledge of HKMA requirements.
• Good command of written and spoken English & Chinese; basic Mandarin speaking is a must.
• Proficiency in MS Office; knowledge of VBA would be an advantage.

Responsibilities

• Conduct credit assessments and due diligence to evaluate client creditworthiness and surface irregularities for action.
• Maintain credit parameters in the system and participate in UAT on credit-related aspects.
• Assess applications including investment onboarding, discretionary portfolios, and bond underwriting proposals; ensure regulatory compliance and internal policies; make reliable recommendations.
• Contribute to ad-hoc initiatives as needed.

Skills

Credit analysis

Analytical skills

MS Excel

English & Chinese communication

Time management

Education

Bachelor’s degree in Banking/Finance/Accounting/Business

FRM

Tools

MS Office

VBA

Job description

Manager to AVP , Credit Analyst (PB, AM, DCM)

Mainly responsible in supporting Private Banking credit business, Asset Management and Debt Capital Market bond underwriting related tasks.

• Conduct credit assessments, provide comprehensive due diligence and credit analysis to evaluate client creditworthiness, surface irregularities for further actions.
• Maintenance on credit parameters in system, and participate in UAT on system development on credit related aspects
• Perform assessment on variety of applications including investment product onboarding, discretionary investment portfolio proposal, Bond underwriting proposal etc, ensure compliance with regulatory requirement and internal policies, and make reliable recommendation.
• Contribute to special tasks: participate in ad-hoc initiatives
• Bachelor Degree holder or above in Banking, Finance, Accounting, Business, or related discipline. Holder of FRM is definitely a plus.
• Minimum 3 years relevant experience in private banking or wealth management, with credit underwriting experience is preferred.
• Good analytical and credit assessment skills, with sound knowledge in HKMA requirements and relevant rules.
• Good knowledge in financial products, understand embedded risk on different types of financial instrument.
• Good time management and ability to work in a fast-paced working environment. Reliable , pleasant personality and positive working attitude.
• Good command of written and spoken English & Chinese, basic Mandarin speaking is a must.
• Computer literate and proficient in MS Office application, especially Excel. Knowledge on VBA would be a definite advantage.

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