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