Senior SME Credit Risk & Approval Lead

Leadingnation; Hong Kong; On-site; HKD 1,200,000 - 2,000,000; Full time

Job summary

Leadingnation in Hong Kong seeks an experienced credit risk professional to assess new credit applications and perform annual reviews for the SME market. You will ensure compliance with risk policies and regulatory requirements, structure terms, and approve credits within delegated authority.

The role requires managing post-approval monitoring, identifying early warning signals, and supporting end-to-end credit process improvements.

Qualifications

• 7+ years of experience in commercial credit analysis or approval.
• Approving authority at HKD10M or above in other banks.
• Solid knowledge of the local commercial market, especially the SME market.
• Good communication skills in English and Chinese, verbal and written.
• Ability to work under pressure and meet deadlines for credit reviews and risk controls.
• Independent work style and strong risk awareness.
• University degree in risk management preferred.
• Professional qualifications such as CPA, CFA, FRM, HKIB–CRM are a plus.
• Experience with Moody's Analytics CreditLens or similar credit models is preferable.

Responsibilities

• Responsible for credit risk assessment on new credit applications / annual reviews from the business unit for the SME market.
• Ensure credit applications comply with the bank’s risk appetite, credit policies and local regulatory requirements.
• Discuss and structure appropriate credit terms and conditions on credit applications.
• Approve credits within delegated authority.
• Conduct post-approval monitoring, customer visits and/or inspections if necessary.
• Identify early warning signals and monitor borrowers’ creditworthiness to mitigate risk.
• Assist department head in designing, developing and implementing end-to-end credit processes.
• Assist in credit portfolio management, ECL reporting and analysis.
• Support system development to automate/streamline manual processes.
• Take up credit projects assigned by department head.

Skills

Credit risk assessment

SME market knowledge

English & Chinese communication

Independent worker

Risk control

Pressure handling

Moody's Analytics CreditLens

Education

University degree in risk management

Professional qualifications (CPA/CFA/FRM/HKIB-CRM)

Tools

Moody's Analytics CreditLens

Job description

Leadingnation in Hong Kong seeks an experienced credit risk professional to assess new credit applications and perform annual reviews for the SME market. You will ensure compliance with risk policies and regulatory requirements, structure terms, and approve credits within delegated authority.

The role requires managing post-approval monitoring, identifying early warning signals, and supporting end-to-end credit process improvements.