credit analyst, corporate banking in Central and Western District

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job details

posted
location
central and western district
specialism
banking & financial services
job type
permanent
working hours
Full-Time
reference number
91M0089305_1537246403
contact
charles lai, randstad hong kong
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job description

KEY ACCOUNTABILITIES

Proactively drive discussion with Product, Coverage Team, other internal stakeholders and
clients with the aim to thoroughly understand rationale and justifications for all credit requests.

Ability to rope in and address relevant issues from diverse product and industry perspectives
and articulate to NEA Head and other credit and business seniors.

Responsible for structuring the lending transactions in a stringent manner.

Analyze both quantitative and qualitative factors and ensure annual reviews and credit
packages are on schedule and as per the bank’s policies.

Spread and analyse financial statements in order to evaluate credit quality and portfolio risk.

Recommend appropriate risk rating for the reviewed clients and record analysis and
conclusions.

Monitor on-going credit developments and compliance to credit conditions and loan
agreement (i.e. Timely submission of required documents, market development that may
have impact on our clients and credit portfolio)

Prepare financial and cash flow forecast based on sound and justified assumptions.

Manage the submission process.

Lead the quarterly portfolio analysis and drive action steps to improve the overall North East
Asia portfolio quality.

Localise the Group Credit Policy and ensure the local country addendum covers all HKMA’s
requirements.

Proactively identify and work with North East Asia Head to propose remedial strategies for
problem credits.

Meet clients at mid and senior levels to discuss specific transactions and seek general credit
updates.

Coordinate across the region and assist NEA Head of Credit on special projects.

Perform ad-hoc duties as assigned by Manager.


Requirement

Degree in Business, Accounting, Finance or relevant discipline.

Minimum 5 years’ experience preferably in first class international or major regional banks
with a combination of credit analysis, preparation of credit application, risk/team/portfolio
management, credit policy or frontline origination.

Good knowledge of DCM, trade finance, loan products and Global Markets hedging solutions.

Demonstrated ability to understand, identify key risks/ mitigants at transactional, product &
industry sector level

Proven financial analytical skills and able to identify and evaluate credit risks in multiproduct/
multi-jurisdictional transactions.

Commercial aptitude, good at spreadsheet, financial modelling and cash flow projections.

Ability to communicate both verbally and in written presentation & ability to speak Mandarin

would be an advantage.

Demonstrated multi discipline influencing, deal approval and execution skills across product
and credit approval chains – a listing of deals / sector experience will be preferred.

Ability to manage one’s own time effectively and to work under pressure and independently.

Strong problem solving skills and ability to manage regulatory requirements.

Capable to organize the work load and meet deadlines.



If interested or you have any potential candidates to refer us, please click the link above to apply or contact Charles Lai at 2232 3417 for a discussion

skills

excel

qualification

excel

educational requirements

Associate Degree/Diploma