SVP, Credit Approval (Corporate Banking), Risk Management Group

China, Beijing Branch; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

Bank in Hong Kong seeks an experienced Risk Management professional to review and approve credit applications and to monitor credit risk at both individual and portfolio levels. You will provide expert comments on risk assessment, assist in strategy, and support credit policy updates.

The ideal candidate has 10+ years in corporate banking, strong credit analytics, and solid knowledge of accounting, banking and regulatory guidelines. Full-time role at The Center.

Qualifications

• University degree in banking, finance or related disciplines.
• Minimum 10 years' corporate banking experience in lending.
• Credit evaluation experience in complex credits or structuring.
• Sound knowledge of accounting, banking and legal practices.
• Strong credit analytics and risk assessment skills.
• Good verbal and written communication and leadership ability.

Responsibilities

• Review, assess and approve customer credit applications within delegated authority.
• Identify and monitor credit risk at individual and portfolio level.
• Provide high quality comments on risk assessment and deal structuring.
• Aid diversification to ensure reliable returns to the Bank.
• Assist in formulating credit policy, processes and portfolio strategy.
• Facilitate communication on credit issues across business units.

Skills

Credit analysis

Risk assessment

Regulatory knowledge

Credit policy understanding

Communication skills

People management

Proactive attitude

Education

Bachelor's degree in Banking/Finance/Business Administration

Job description

Business Function

Risk Management Group (RMG) is responsible for the development and maintenance of risk management and internal control frameworks. We provide independent review and challenge to business to ensure that appropriate balance is considered in risk/return decisions. In addition, RMG is responsible for the monitoring and reporting on key risk issues of the Bank. To manage risk effectively and deliver strong financial performance, we invest significantly in our people and infrastructure.

Responsibilities

• To review, assess and approve credit applications for customers within delegated lending authority.
• To assess, identify, review and monitor the Bank's credit risk at individual and portfolio level against irregularities identified/deteriorating business conditions to minimize potential NPL.
• To provide high quality comments and advices to business units on risk assessment, monitoring, deal structuring and account strategy.
• To assist business units in maintaining a well-diversified portfolio of credit risk, which produces a reliable, reasonable and consistent return to the Bank.
• To assist Team Head or Department Head to formulate and revise credit policy, credit process, lending guidelines, credit manuals and portfolio strategy in accordance with the changing market environment.
• To facilitate communication among different business units on credit issues and sharing information and techniques on credit risk management so as to develop a culture of deeper relationship, deeper knowledge and more thoughtful credit decision.

Requirements

• University graduates or equivalent in banking, finance, business administration or other related disciplines.
• Minimum 10 years' corporate banking experience in lending or related activities, preferably with China credit experience.
• Credit evaluation experience either in pure credit functions or in different marketing functions especially where complex credits and/or structuring are involved.
• Relevant non-banking experience is a possibility if it adds to the person's ability to evaluate risks.
• Sound knowledge of accounting, banking and legal practices.
• Strong credit analytical and risk assessment skills.
• Good knowledge of the Bank's products, operation system, internal policy and credit guidelines and regulatory requirements.
• Good verbal and written communication skills.
• Effective people management skill.
• Proactive attitudes.

Location: The Center

Job: Risk Management

Schedule: Regular

Employee Status: Full time