Associate Director - Credit Analyst European Corporate Bank | Hong Kong Our client is a well-established European bank with a growing presence in Asia. As part of continued expansion, they are seeking an experienced Associate Director, Credit Analyst to support the front office in originating and managing high-quality corporate and structured lending transactions across the region.
Key Responsibilities - Conduct independent and in-depth credit analysis for new lending proposals and periodic reviews, covering corporate, leveraged and structured transactions
- Prepare high-quality credit papers for internal credit committees in line with group credit policies and regulatory standards
- Assess borrower financials, cash flow sustainability, industry risk, transaction structures, and covenant packages
- Work closely with Relationship Managers, Product teams and Risk Management throughout deal origination and execution
- Monitor existing portfolios, identify emerging risks, and recommend appropriate risk mitigants
- Support regulatory, audit and internal control requirements relating to credit risk
- Provide mentoring and guidance to junior credit staff where required
Requirements - Bachelor's degree or above in Finance, Accounting, Economics or a related discipline
- Minimum 8-10 years of credit analysis experience gained within an international or regional bank
- Strong hands-on experience covering corporate banking / mid-cap to large corporate clients; exposure to structured or leveraged finance is an advantage
- Solid financial statement analysis and cash flow modelling skills
- Strong understanding of credit risk frameworks, covenants and documentation
- Ability to work independently and manage multiple transactions under tight timelines
- Strong communication skills with proven ability to engage front office and senior stakeholders
- Fluency in English is required; additional European or Asian language skills are a plus
What the Bank Offers - Exposure to a diversified loan portfolio with regional deal coverage
- Stable platform with strong credit culture and well-defined risk governance
- Competitive compensation and benefits
- Clear career progression within a global banking group