Job Description

What You'll be Doing Each Day:

• To provide high quality and independent credit risk assessments and recommendations for corporate, financial institution and sovereign counterparties, issuers and clients, particularly in the area of trade finance
• To provide comprehensive and accurate credit analysis of country risks
• To provide technical support, advice and assistance to all business areas on all credit related matters
• To provide advice in respect of the structuring of prospective transactions and guidance in respect of the completion of credit proposals to ensure all risks are identified in an efficient manner
• To assist with arranging of Credit Committee meetings and approvals and the presentation of credit proposals to Head Office
• To assist in establishing and maintaining credit risk management controls, systems and procedures that meet the requirements of the Bank, the regulators and external auditors
• To monitor adherence to approved credit limits and to ensure that the Head of Credit Risk and the Head of Risk are informed of all material excesses on the same working day as identified
• To ensure that all credit risks are properly monitored and controlled and to ensure that the credit limits are all formally reviewed as per Bank’s internal policies
• To minimise the time taken between problem recognition and cash recovery; to undertake regular monitoring and review of ‘problem loans’
• To liaise with the Head Office regarding credit risk issues and to assist with Head Office reporting
• To assist with the review and development of policies and procedures.

Required Knowledge, Skills, and Abilities

Educated to degree and/or appropriate professional qualification level Strong experience in analyzing credit risks of all types, with particular emphasis on large corporate clients in UK / Western European markets Excellent communication skills, both written and verbal, in English and Mandarin (must have) A sound understanding of a broad range of wholesale lending products A basic understanding of market risks and operational risks would be an advantage An ability to shoulder responsibility, show initiative, make decisions and work under pressure