Working at this fast-growing financial institutions, as a Credit Manager, you will be responsible for assessing, underwriting, and managing credit exposure for large or strategic buyers. This role ensures sound credit decisions are made within defined risk appetite while supporting business growth through proactive credit risk assessment, portfolio monitoring, and collaboration with key stakeholders.
Role Responsibilities:
- Conduct in-depth financial analysis and credit assessments of large corporations to determine creditworthiness and recommend appropriate credit limits.
- Comprehensive knowledge of trade finance products, including documentary credits, collections, structured trade and supply chain finance.
- Proficiency in trade documentation and solid grasp of Incoterms and their implications on risk, cost and responsibility across various trade finance structures.
- Prepare detailed credit proposals and risk recommendations for approval by senior management or credit committee.
- Maintain and regularly review credit ratings, exposure limits, and payment performance of assigned portfolio.
- Ensure compliance with internal credit policies, risk frameworks, and regulatory requirements.
- Maintain an understanding of current, new, and emerging risk trends within the assigned geographies and industries.
- Partner closely with Sales, Finance, and Operations teams to balance business growth and risk exposure.
- Support the development of risk models, scorecards, and automation initiatives for credit decisioning.
- Familiarity with digital trade innovations, such as blockchain-based solutions, API-enabled document exchange and electronic trade platforms.
Role Requirements:
- 8+ years’ experience in in credit analysis, underwriting or risk management, preferably handling large corporate or institutional buyers.
- Familiarity with trade credit insurance, factoring, or receivables financing is a plus.
- A sound understanding of financial ratios, and experience in analysing financial statements is a necessary requirement.
- A grasp of multiple industries and geographies and its current business environment is an advantage.
- Strong analytical capabilities and excellent ability to co-relate multiple data sources to inform meaningful decisions.
- A strong work ethic with great attention to detail; a team player with the ability to work independently while contributing to the success of the team at the same time.
- Excellent verbal and written communication skills, as well as multilingual skills and always maintaining an enthusiastic ‘can-do’ attitude.
- Can effectively collaborate at all levels.
- Strong command of both written and spoken Chinese and English.