Manager (Credit), Private Banking Business Management

Responsibilities:

• Assist Private Banking Relationship Managers in handling credit applications including Lombard lending, policy loan/premium financing, standby LC, and other secured credit facilities
• Conduct pre‑lending credit due diligence, including financial analysis, credit investigation, and identification of potential risks
• Identify critical risks in credit applications and recommend appropriate mitigation measures to frontline staff
• Monitor clients’ accounts to ensure sufficient collateral, perform regular credit reviews, and follow up on exceptional items
• Execute post‑lending credit monitoring, including exposure tracking and collateral sufficiency checks
• Communicate regularly with head office credit/risk management teams to ensure all credit procedures fully comply with internal policies and external regulations
• Review and update credit policies, procedures, and workflow guidelines to align with regulatory standards, technology developments, and industry best practices
• Provide professional advice to frontline staff on credit strategies and tailored credit solutions based on client needs and overall portfolios
• Provide timely responses on special cases and support documentation handling with high accuracy and efficiency
• Perform ad hoc duties as assigned

Ideal candidates should possess:

• Bachelor’s Degree in Finance, Economics, Risk Management, or related disciplines
• At least 6 years of relevant experience in Lombard lending or credit facilities within private banking/private wealth management
• Solid hands-on experience in banking facility risk assessment
• Strong analytical skills with ability to interpret financial statements and legal documents
• Strong communication and interpersonal skills, a collaborative team player with the ability to work effectively both independently and with diverse stakeholders.
• High attention to detail with excellent time-management skills, capable of efficiently handling large volumes of documentation and performing well under pressure.
• Familiarity with interest rate and credit market instruments
• Proficient in Microsoft Word, Excel, PowerPoint, and Chinese word processing
• Strong command of both spoken and written English and Chinese, including Mandarin