Credit Analyst

Job Responsibilities

• Conduct thorough analysis of clients’ financial statements, cash flow projections, and credit reports to evaluate creditworthiness.
• Assess risk factors, including industry trends, market conditions, debt structures, and collateral valuations, to determine loan feasibility.
• Prepare detailed credit memoranda and present recommendations to credit committees for approval or denial of credit applications.
• Collaborate with relavant parties and underwriters to structure complex loan agreements that align with bank policies and mitigate risks.
• Monitor and review existing credit portfolios, identifying potential risks and recommending proactive measures.
• Ensure compliance with bank credit policies, regulatory requirements (e.g., Basel III), and industry standards.
• Mentor junior analysts, providing guidance on credit analysis techniques and best practices.
• Contribute to the development and enhancement of credit risk models, scoring systems, and internal processes.
• Stay informed on economic trends, regulatory changes, and industry developments impacting commercial lending.

Job Requirements

• University degree in Accounting / Finance / Risk Management / other related disciplines
• 6 -10 years of experience in credit risk management
• CPA or CFA preferred
• Possess strong credit analytical skills
• Good command of English and Chinese
• Efficient, self-motivated, independent and able to work under pressure
• Less experience may be considered as Manager