Credit Risk Specialist, Private Banking

Responsibilities

Review, evaluate and make credit decisions on granting lending limits and assigning collateral values aligned with regulatory guidelines, credit policies and risk appetite within the Bank.

Support internal stakeholders for credit advisory and credit structuring to identify key risks and work out a risk balanced solution acceptable for clients and the Bank.

Maintain close collaboration with Risk Management Department to reach a common and balance understanding of key credit risks and control practices.

Implement adequate credit systems and tools to support the credit lending business.

Ensure that the Bank's risk management framework, policies, procedures and guidelines remain effective in identifying the credit risk of Borrowers.

Issue credit documentation, and monitor the risk controls for credit conditions per credit approvals.

Prepare credit related reports and monitor credit violations for escalation to Management where required.

Support Team Lead in adhoc tasks, audit inspection, operation risk control management and system enhancement projects in relation to credit management.

Requirements

8 to 10 years of credit evaluation experience within Private Banking industry

Good understanding of loan products, credit loan covenants and credit control functions

Able to develop, calibrate and validate credit models

Good knowledge on Microsoft Word, Excel, Access and PowerPoint

Good verbal and written communication skills in English and Chinese, as the role requires regular communication with Head Office