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