about the company.
Our client is a highly respected, long-standing commercial banking group with a prominent local network in Hong Kong and strategic international operations. Renowned for providing comprehensive commercial banking, corporate lending, trade finance, and wealth management solutions, they offer a secure, well-capitalised, and stable operating environment. They provide employees with structured executive career progression, high operational visibility, and a supportive culture.
about the team.
The Credit and Business Audit department is an independent control function reporting directly to the Audit Committee and regional senior leadership. You will join an experienced, high-performing team of credit risk specialists and financial auditors operating in a structured and professional environment. The team culture highly values technical rigor, objective risk analysis, and continuous professional development.
about the job.
- Plan, manage, and execute risk-based audit engagements covering commercial credit underwriting, portfolio management, and loan impairment policies.
- Evaluate the adequacy and operational effectiveness of internal credit risk rating models, collateral valuation frameworks, and credit approval processes.
- Ensure all credit management practices and loan provisioning standards strictly align with HKMA Supervisory Policy Manuals (e.g., CR-G-1, CR-G-6) and statutory guidelines.
- Author concise, high-impact audit reports for executive management and the Audit Committee, identifying systemic risk exposures and proposing practical remediation strategies.
- Partner with credit committee members, chief risk officers, and commercial business heads to monitor the timely resolution of audit recommendations.
- Support the continuous optimisation of credit risk audit methodologies and integrate data analytics tools to perform continuous portfolio monitoring.
skills & experience required.
- Bachelor’s degree in Accounting, Finance, Risk Management, or a related business discipline.
- CPA, CIA, FRM, or equivalent professional financial/auditing qualification is highly preferred.
- Minimum 7 years of experience in internal audit or credit risk management within a commercial bank, or credit risk audit experience within the Big 4 (financial services banking portfolio).
- Deep technical expertise in commercial lending products, credit underwriting practices, counterparty risk, and HKMA regulatory credit frameworks.
- Excellent analytical, communication, and report-writing skills, with a proven ability to engage constructively with senior credit executives.
- Fluency in English, Cantonese, and Mandarin is mandatory to effectively conduct audit fieldwork, review credit documentation, and author high-quality reports.
If you are interested in this role, please click 'Apply Now' or send your CV directly to Marco.li@randstad.com.hk.
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