AVP, Credit Risk Management

Purpose of the role:

• To perform evaluation and approval of credit applications on commercial banking business as per the given lending authority limit; To review credit application and make recommendations for approval with higher level approval in accordance with the Bank’s credit policies and regulatory requirements;

• To upkeep a high standard credit portfolio of Hong Kong through ongoing monitoring and assessment of the obligors and external environment;

• To assist development and implementation of credit risk strategy via consideration of portfolio objectives and emerging risks;

• To assist regular and ad-hoc portfolio review and projects in respond to the market development and regulatory requirements

   

What you will be doing:

• Focus on Hong Kong commercial banking/ SME clients, review credit analysis work, analyze credit proposals including identify risk factors and mitigations, carry out credit evaluation on financial condition, debt servicing ability, cashflow projection, industry and economic outlook, facility structure and limit, loan usage, asset quality of collaterals and legal situation etc. and make appropriate recommendations or decisions. Evaluate obligor risk rating and facility risk rating in the credit applications. Ensure credit applications complied with internal credit policies and procedures as well as external regulatory requirements where applicable.

• Collect market intelligence through various channels. Early identify deteriorating credit and timely review and update the loan classification.

• Access and manage credit risk on portfolio basis, with reporting responsibility to risk committees. Monitor and manage quality of the credit portfolio within agreed parameters.

• Participate in portfolio review and stress testing, to evaluate and monitor credit risk at individual obligor level, industry sector level and on thematic scenario basis. Prepare analysis and recommendation for management decision.

• Join client visits with Relationship Managers, and provide guidance on credit approach, credit structure, due diligence and monitoring processes as deemed appropriate.

• Provide oversight and advice to Relationship Manager in handling recovery and work-out of deteriorating credits, together with Group Special Assets Management team, if applicable.

• Participate credit risk related projects for Head Office and Greater China region where applicable.

• Assist internal / external control units for internal / external audit work; HKMA periodic review / ad hoc review / on-site examination.

• Well-versed with trade finance and treasury products.

• To attend Credit Risk Management Committee as applicable.

• Work on credit risk related projects, on ad hoc basis where applicable

   

What we are looking for:

• Bachelor’s degree in Finance, Accounting or related disciplines.

• Minimum 8 years relevant credit handling experience in commercial banking / SME banking for local commercial segment/ RE segment.

• Sound loan products/ trade products structuring and RE sector background with prior exposure will be advantaged.

• Proficiency in spoken and written English and Chinese (including Mandarin)

• CPA, CFA or relevant qualifications will be advantaged.

• ECF on Credit Risk Management Professional is necessary.