Job Duties & Responsibilities
• Oversee the credit and portfolio monitoring for the corporate banking portfolio, primarily focused on SME Banking in Hong Kong.
• Design, maintain and effectively communicate risk control parameters across SME Banking including control standards, risk exposure limits and other control levels in order to maintain the risk appetite.
• Closely monitor and handle all credit-related matters for the loan portfolio accounts, including reviewing credit grading, processing amendments/waivers, and monitoring covenants.
• Adopt a portfolio approach to credit risk monitoring, measuring loan performance against underwriting parameters (credit reports, bank statements and financial statements, etc.) and assessing business performance across industry and product segments.
• Conduct regular credit reviews and reporting to management on any credit-related issues or concerns.
• Support the team on regulatory and other internal compliance matters.
• Maintain strong working relationships with the front office to facilitate ongoing portfolio management.
• Develop recommendations to adjust scorecards, models, Basel and credit policies by analysing credit and financial.
• Performance and utilizing statistical scoring and regression and simulation techniques.
Requirements
• University degree in Finance, Accounting, Risk Management, or a related field.
• Uphold the integrity of risk/return decisions, by challenging business and control functions.
• Minimum 3-5 years of relevant experience in corporate credit and portfolio management.
• Strong understanding of corporate credit analysis, with a preference for candidates with SME lending experience.
• General knowledge of Hong Kong banking regulations and guidelines.
• Proficient in written and spoken English and Chinese.
Applicants who are not invited for an interview within the 8 weeks after submission of application may assume their applications unsuccessful. We may review applications received for suitability for other posts within the Company. All personal data provided will be treated in strict confidence and used strictly for recruitment-related purposes only. We shall retain the personal data of unsuccessful applicants for a period of 24 months upon receipt of such application.