Assess all underlying risk of large corporate credit applications
Conduct cashflow analysis, projection, peer comparison, if applicable, with reference to the relevant information gathered from internal and external sources
Coordinate with Corporate Banking RMs for any matters related to credit applications, further elaborate and clarify with respective commercial officers if needed
Give comments if any special approvals and date postponement are required
Keep track on any credit issues that need to be followed up and conduct interim review of any accounts if required
Monitor turnaround timeframe for processing of credit proposals
Approve credit applications within the delegated authority
Perform other duties delegated by the Credit Section Head
Role Requirements
University graduate
Minimum 5 years of experience as a credit analyst
Sound knowledge of local economic/industrial conditions, banking laws & practices, in-depth knowledge of import & export operations and related lending products offered by Banks
HKICPA, ACCA, CFA, FRM are preferred
Good analytical & report writing skills with logical credit judgment
Self-motivated and able to work independently & under pressure with limited time constraints
Good problem solving ability and tactful inter-personal & communication skills
Good knowledge in PC skills
Ability to read Chinese Financial Statements
Holder of ECF on Credit Risk Management is preferable