Credit Analysis, Financial Institutions ( AVP - VP)

Job Purpose

- To ensure the credit proposals are completed timely with high quality.

- To work as a team with FIG RMs as well as the Credit approvers to closely monitor the credit profile of financial institutions in China.

Key Accountabilities

- Lead Annual Reviews: Spearhead the annual review process for batch memos of banks and securities firms, ensuring thorough and insightful analysis of FI industry outlook, business driver, etc. This includes overseeing the preparation and submission of high-quality credit papers and recommendations.

- Credit Application Management: - Drive the end-to-end process of routine credit applications, from initial assessment to final approval, ensuring adherence to internal policies and regulatory requirements.

- To prepare requests for ad hoc approval for limit/tenor excess.

- Credit Monitoring: Proactively monitor the credit health of a portfolio of financial institutions with RMs, identifying potential risks and recommending appropriate mitigation strategies.

- Stakeholder Collaboration:- Engage in in-depth discussions with Risk Management Group (RMG) to analyze credit exposures, develop risk mitigation strategies, and ensure alignment on credit policies.

- Collaborate with RMG to design and implement effective stress tests for the financial institutions portfolio.

- Coordinate extensively with various internal departments, including the GRM team, Group FIG, overseas LRMs and product partners, to ensure seamless execution of credit initiatives and business objectives.

- To undertake other research and analytic projects as required.

- To support RM to handle clients’ enquiries, documentation, and etc.

Job Duties & Responsibilities

The incumbent will perform his/her primary responsibilities above with help from relationship managers involving access to clients for information gathering and due diligence checks. Besides, s/he is also expected to perform the duties through own research and access to third party sources.

Experience

- Knowledge and skills in analyzing FI segments is a plus

- Good understanding of the market and economic dynamics that affect the China market

Core Competencies

- Strong skills in bank risk analysis

- Strong English writing and oral presentation skills

- Knowledge of financial products

- Familiar with FI industry, policies and regulations in China

- Credit and Risk management skills

- Analytical / problem solving skills

- Knowledge of credit policies / underwriting standards

Location:

PRC - Shanghai

Job:

Risk Management

Schedule:

Regular

Employee Status:

Full time