Job Description
Responsibilities:
- Perform independent assessment on credit proposals, provide recommendations or make credit decisions according to the delegated authorities
- Formulate and review credit policies and guidelines, and form the first opinion of credit judgment on policy or product related proposals as submitted by business units
- Ensure credit risk policy, guidelines procedures etc. are in compliance with bank policies and regulatory requirements
- Carry out ad hoc reviews or projects as required
Requirements:
- University graduate, with professional qualification preferred
- Over 6 years’ practical banking experience in particular, credit assessment, credit initiation, credit approval, credit policy and credit monitoring etc.
- Comprehensive knowledge of commercial lending principles, credit products, regulatory requirements and related market practice
- Good time management as well as good business judgment and analytical skills
- Independent with minimal guidance
Candidates with less experience can be considered as “Credit Analyst”