Job Summary
Cooperate with CRMs in preparing credit applications/annual reviews and complete credit documentation as well as to follow up the post-approval development in client risk profile.
Responsibilities
1. Undertake first level credit analysis, credit due-diligence and completion of credit files.
2. Expedite and monitor the credit file approval process.
3. Evaluate credit facility requests from CRMs according to bank’s risk appetite and strategy based on RWA& RBO analysis or other appropriate methodology and management initiatives.
4. Verify data concerning approved facilities, credit commitment and outstanding.
5. Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients.
6. Review and assess client’s credit risk rating at least annually, or as driven by special events, using Star web, Loan Studio or other analytical tools.
7. Address inquiries from clients or internal parties timely and responsively.
8. Maintain clear and updated documentation in all credit files including financial statements, latest financial spreading, credit applications, validation records, internal and correspondence, etc.
9. Assist in special credit related assignments and projects as required.
10. Back up and support other credit analysts where needed.
Requirements
1. Academic Background
· Bachelor degree or above major in finance or accounting
2. Working Experience /Technical Skills & Know how
· 3-5 year working experience in banking industry
· Strong accounting and financial analysis skills
· Good knowledge on commercial banking products
3. Skills & Competencies
· Good interpersonal & communication skills
4. Language Skills
· English/Mandarin – Fluent in both speaking and writing
5. Computer Skill
· Well versed in MS Office applications (Word, Excel, PowerPoint is a must)
Candidates who are interested in this position, please send your update English and Chinese resume to:whc@angstrom-intl.com