Credit Approver

Responsibilities

• Act as Risk co-grantor in approving credit applications submitted by relationship managers within the given lending authority limit (“LAL”), through detailed evaluation of the credits, identifying risk factors, or making recommendation.
• Ensure the credit applications are in compliance with internal credit policies and procedures as well as external regulatory requirements, where applicable.
• Work with relationship managers in examining industry/business sector analysis and portfolio review/stress testing.
• Work with relationship managers to evaluate and monitor credit exposure at individual obligor level, obligor group level, industry sector level and on portfolio basis.
• Monitor and manage the parameters and quality of the credit portfolio.
• Evaluate obligor risk rating and facility risk rating in the credit applications as recommended by relationship managers.
• Perform clients' site visits with relationship managers to conduct credit due diligence in the credit approval and monitoring process.
• Early identify deteriorating credit and timely review and update the loan classification.
• Collect market intelligence through relevant channels.
• Co-operate with internal / external control units for internal / external audit work; HKMA periodic review / ad hoc review / on-site examination. 
• Well-versed with trade finance, loan products and treasury products.
• Work on credit risk related initiatives on project basis or periodic basis, where applicable.

Requirements

• Bachelor Degree or above in Business Administration, Banking, Accounting or Finance
• At least 8 years wholesale credit experience preferably with exposures in large corporations in Greater China region, including minimum 4 years of experiences in credit approval preferably with Lending Authority
• Work independent, with good communication and analytical skills
• Proficiency in both written and spoken English and Chinese
• Proficient in Microsoft Office including MS word, PowerPoint and Excel