Experienced (3-6 years) credit analyst required for an international commercial bank. This role sits with the business and offers excellent career development potential.
Salary circa HKD 40,000 - HKD 45,000 per month + bonus + benefits
Role:
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- Conduct in-depth financial analysis of commercial banking clients, including financial statement reviews, cash flow analysis, and industry benchmarking.
- Evaluate clients financials and construct credit proposals and risk assessments.
- Work with Relationship Managers to structure credit solutions.
- Work with the wider credit team to propose credit limits, formulate credit policies and assess clients credit profiles.
- Create management reports on portfolio performance, concentration risks, and sector exposures.
- Ensure all credit submissions comply with internal credit policies, regulatory guidelines, and risk appetite frameworks.
Requirements:
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- 3–6 years of credit analyst experience with strong preference given to candidates who come from corporate or commercial banking.
- Excellent understanding of trade financeproducts.
- Formal credit analysis training preferred.
- Sound Knowledge of Hong Kongs legal and regulatory requirements, including HKMA and Basel regulations, and banking practices on credit risk management.
- Bachelors Degree, or higher, in Finance, Accounting, Economics, or a related discipline with CFA, ACCA, CPA or FRM qualifications an advantage.