Job Description

Job Responsibilities

• To independently review and assess several types of credit applications submitted from business units; and to make concise but adequate executive summary to seek approval from relevant authorities.
• To establish an adequate action plan for credits likely to deteriorate to minimize credit costs.
• To manage and maintain the accuracy of registration of credit monitoring system and client database, and to instruct business units to modify data if necessary.
• To conduct credit portfolio analysis in terms of countries, corporate groups, industry commodity / segments, currency risks, internal grading, type of financial product, etc. from time to time.
• To monitor and proactively control credit exposures under large scale companies and/or certain sectors for increased concern on concentration risks, in cooperation with other relevant teams / departments.
• To discuss direction of potential deals with business units following head office\'s credit policy and credit appetite.
• Any other duties as may be assigned from time to time.
• For note, no approval authority is given initially, but will be considered in future depending on performance and experience

• Bachelor\'s degree; qualifications in corporate finance, financial analysis, credit risk management.
• Experience in credit analysis / credit approval department of financial institutions, rating agencies, etc.
• Strong credit analysis and due diligence skills. Abili t y to prepare clear and con c ise credit recommendations.
• Excellent organising and planning skills. Team player attributes.
• Excellent communication skills (written and spoken)

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