Senior Credit Analyst

Smith; Hong Kong; On-site; HKD 450,000 - 750,000; Full time

Benefits offered by this job

Double Pay

Discretionary Bonus

Medical Scheme

Fast-track progression

Office environment

Tuition reimbursement

Wellness sponsorships

Gym sponsorships

Mobile allowance

Team activities

Job summary

Smith in Hong Kong seeks a Credit KYC Compliance Analyst to perform onboarding and periodic due diligence, verify entities, signatories, and ownership structures. You will assess financial standing, sanctions risks, and compliance considerations to support sound credit decisions.

You will partner with Credit, Sales, Finance, Legal and Operations to gather documentation, analyze creditworthiness, and prepare clear risk reporting for senior management.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, Economics, Risk Management, or a related field.
• 5+ years of relevant experience for Senior Credit Analyst; 3-5 years for Credit Analyst.
• Strong understanding of corporate documentation, ownership, sanctions/adverse media screening, and financial statement analysis.
• Advanced MS Excel, MS Office proficiency, and familiarity with standard accounting/business research tools.

Responsibilities

• KYC & Due Diligence: Onboarding and periodic reviews (CDD/EDD); verify entities, signatories, and ownership.
• Compliance Screening: Sanctions, PEP, watchlist, and adverse-media screening; investigate matches.
• Credit Risk Assessment: Analyze financials, payment histories, and industry factors to guide risk decisions.
• Stakeholder & File Management: Collaborate with Sales and internal teams; maintain audit-ready records and risk reports.

Skills

Analytical thinking

Critical thinking

Financial judgment

Communication

Education

Bachelor's degree in Finance, Accounting, Business, Economics, Risk Management, or related field

Tools

MS Excel

MS Office

Accounting software

Job description

About Smith

Founded in 1984, Smith is the leading independent distributor of electronic components, ranking eighth globally. We source, manage, and distribute components across mobile, computing, automotive, and appliance industries—generating USD $3.4 billion in 2025 sales across 20+ global offices. Learn more at smithweb.com.

The Credit KYC Compliance Analyst conducts due diligence and credit assessments on prospective and existing customers, suppliers, and counterparties. You will evaluate legal structures, financial standing, and compliance risks to support informed credit decisions while partnering across Credit, Sales, Finance, Legal, and Operations.

What We Offer

• Double Pay, Discretionary Bonus & Medical Scheme
• Fast-track progression opportunities
• Prime office environment in a newly renovated space
• Tuition reimbursement & wellness/gym sponsorships
• Mobile allowance & team activities

Key Responsibilities

• KYC & Due Diligence: Perform onboarding and periodic reviews (CDD/EDD); verify legal entities, authorized signatories, and ultimate beneficial ownership structures.
• Compliance Screening: Run sanctions, PEP, watchlist, and adverse-media screenings; investigate matches and upscale credible risks per policy.
• Credit Risk Assessment: Analyze corporate financials, payment histories, and industry factors to guide risk-rating decisions and credit limits.
• Stakeholder & File Management: Partner with Sales and internal teams to gather documentation efficiently while maintaining clear, audit-ready compliance records and concise risk reports.

Core Competencies

• Analytical & Critical Thinking: Sharp attention to detail to spot data discrepancies, red flags, or opaque corporate structures.
• Financial Judgment: Ability to translate financial statements and market indicators into actionable credit decisions.
• Communication & Integrity: Skill in writing clear risk assessments, managing stakeholder expectations professionally, and handling sensitive data with high integrity.

Minimum Requirements

• Education: Bachelor’s degree in Finance, Accounting, Business, Economics, Risk Management, or a related field.
• Experience: Candidates with 5+ years of relevant experience will be considered for the Senior Credit Analyst position, while those with 3-5 years of experience will be considered for the Credit Analyst position.
• Technical Knowledge: Strong understanding of corporate documentation, beneficial ownership, sanctions/adverse media screening, and financial statement analysis.
• Systems: Advanced MS Excel, MS Office proficiency, and familiarity with standard accounting/business research tools.

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We are an Equal Opportunity/Affirmative Action Employer.