Vice President, Credit Approver - HK Corporate Credit Department

Responsibilities:

• Exercise independent credit judgement to review, analyze and approve credit applications within the delegated approval authority, ensuring all applications are aligned with the Bank’s strategic objectives
• Proactively identify, evaluate and escalate any material exceptions to the Bank’s credit policy, underwriting standards, and terms and conditions to safeguard the Bank’s interests
• Take ownership of assigned credit portfolio, conducting ongoing monitoring and reviews to ensure credit quality remains within the Bank’s risk appetite and policies
• Prepare comprehensive credit recommendations for applications requiring higher-level approval, facilitating decision making by senior management or credit committees
• Develop and maintain expertise in designated industries, providing regular updates and insights on market trends, emerging risks and opportunities
• Conduct client calls, factory visits and discussions with management to gain a thorough understanding of client operations and creditworthiness
• Perform other ad hoc projects or assignments

Requirements:

• University graduate in Risk Management, Finance, Accountancy or related disciplines
• Holder of CCRP(CPM) under ECF on Credit Risk Management
• A minimum of 8 years of progressive experience in credit approval, with a substantial focus on SME, commercial and corporate lending within banking or other financial institution
• Expertise in corporate banking products, financial statement analysis, accounting principles and end-to-end credit administration
• Comprehensive knowledge of a wide range of loan structures, syndicated facilities, and  different types of collateral and security arrangements
• Good understanding of key industry dynamics, macroeconomic factors, and their impact on credit risk
• Strong analytical, problem solving and decision making skills, with the ability to communicate complex credit issues clearly and concisely
• Fluency in both written and spoken English and Chinese (including Putonghua)