Credit Analyst (Retail Credit, Mortgage loans)

Job Responsibilities

• Perform credit risk assessment and approval function for retail lending products with focus on mortgage loans

• Recommend credit policy guidelines / workflow simplification to achieve operational efficiency

• Ensure the compliance of regulatory requirement as well as credit policy guidelines in credit assessment

• Work with business departments and front line sales staff in solving issues arising from mortgage loan applications and able to put up with workable recommendation / solutions Support user acceptance test on Loan Application Processing System

• Participate in ad hoc projects as required

Job Requirements

• University graduate with major in Business Administration, Finance or related disciplines

• At least 5 years of solid experience in assessing and under-writing mortgage loan applications covering residential and commercial properties in a bank or mortgage under-writing agency

• Familiar with the end to end mortgage loan application process, mortgage loan under-writing / process platform

• Thorough knowledge, understanding and application of mortgage loan credit policy and regulatory requirements

• Good product knowledge and risk exposure in retail banking

• Able to deal with front line sales staff in resolving issues arising from the loan applications and providing workable solutions

• A team player but able to work independently with minimal supervision

• Good communication and interpersonal skills

• Proficiency in PC software operations such as MS Office

• Good command in both spoken & written English and Chinese

• Holder of ECF on Credit Risk Management is preferable