Senior VP, Wholesale Credit Risk & Portfolio Strategy

China CITIC Bank International Limited; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

China CITIC Bank International Limited invites a seasoned Credit Risk professional to evaluate and approve credit applications within Wholesale and Cross-border Banking. You will manage asset quality, perform nuanced risk analysis and advise on deal structure from a risk perspective.

You will collaborate with business partners, monitor portfolio risk, participate in Credit Committee discussions, and drive proactive risk management across a designated corporate portfolio in Hong Kong.

Qualifications

• Bachelor-level degree in Accounting, Finance, Business Administration or related disciplines.
• Minimum 6 years of credit risk management and/or credit approval experience from banking; exposure in China corporates preferable.
• Thorough knowledge of accounting principles, financial statement analysis, cash flow modelling and credit administration.
• Excellent analytical, interpersonal and supervisory skills; strong written and spoken English and Chinese (Putonghua).

Responsibilities

• Evaluate & approve credit approvals and manage asset quality in Wholesale and Cross-border Banking units.
• Perform risk analysis on credit applications beyond approval authority; participate in Credit Committee discussions.
• Act as risk sponsor for large or complex deals; pre-screen, advise on product/transaction structure and due diligence.
• Review, assign or approve risk ratings for borrowers or borrower groups.
• Evaluate negative news and initiate risk mitigating actions when appropriate.
• Monitor account utilization, performance and loan compliance; alert marketing of irregularities.
• Review or recommend excesses or exceptions for approval.
• Collaborate with product groups for new product development from a risk perspective.
• Observe market intelligence and stay updated on company news and announcements.

Skills

Credit risk management

Credit analysis

Financial statement analysis

Cash flow modelling

Risk judgment

English and Chinese (Putonghua)

Education

Bachelor's degree in Accounting, Finance, Business Administration

Job description

China CITIC Bank International Limited invites a seasoned Credit Risk professional to evaluate and approve credit applications within Wholesale and Cross-border Banking. You will manage asset quality, perform nuanced risk analysis and advise on deal structure from a risk perspective.

You will collaborate with business partners, monitor portfolio risk, participate in Credit Committee discussions, and drive proactive risk management across a designated corporate portfolio in Hong Kong.