Senior Credit Analyst - Corporate & SME Risk

Shanghai Commercial Bank Ltd; Hong Kong; On-site; HKD 420,000 - 700,000; Full time

Job summary

Shanghai Commercial Bank Ltd is seeking a competent credit professional in Hong Kong to facilitate new and renewal credit applications for corporate and SME clients. You will prepare high-quality credit proposals with in-depth financial analysis, industry research and business assessment, and provide independent risk recommendations.

The role requires strong analytical skills, attention to detail, and the ability to work under pressure.

Qualifications

• Degree in Business/Finance/Risk Management or related discipline.
• ECF-CRM is preferred.
• Experience in credit analysis for corporate/SME customers.

Responsibilities

• Facilitate new and renewal credit applications for corporate and SME customers
• Prepare quality credit proposals, including in-depth financial analysis, thorough industry research and business analysis
• Evaluate customer's risk profile and give independent recommendations on potential risks and mitigation measures
• Ensure compliance with Bank’s internal policies and procedures relating to lending and other credit-related areas as well as the regulatory requirements within day to day operations
• Ensure approved credit lines are in compliance with the Bank’s approved overall and specific credit policies
• Support RM teams in addressing credit queries and liaise with the Credit Division on credit-related matters
• Monitor the processing of credit applications concerning credit issues, special approvals or date postponement required, and conduct interim reviews of any accounts when needed

Skills

Credit analysis

Financial modeling

Industry research

Risk assessment

Report writing

Interpersonal skills

Multilingual

Education

Bachelor's degree in Business Administration, Finance, Risk Management or related disciplines

Tools

ECF-CRM

Job description

Shanghai Commercial Bank Ltd is seeking a competent credit professional in Hong Kong to facilitate new and renewal credit applications for corporate and SME clients. You will prepare high-quality credit proposals with in-depth financial analysis, industry research and business assessment, and provide independent risk recommendations.

The role requires strong analytical skills, attention to detail, and the ability to work under pressure.