Commercial and Investment Bank Credit Risk Associate

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

As an Associate within the Commercial and Investment Bank Credit Risk team you will be responsible for managing the counterparty credit exposures and relationships i.e. ensuring that all credit-related activities for the Banks clients are executed approved monitored and reported in a manner consistent with the Banks internal policies and will have a current and prospective view of the client its industry and credit needs; build and maintain an active network throughout the Corporate & Investment BankSyndicated & Leveraged Finance Markets and other LOBs to manage the Banks credit exposure and assist those business units in cross selling the firm.

Job Responsibilities

• Be responsible for managing designated clients in the Hong Kong Credit Portfolio
• Work closely with the Senior Credit Risk Officer and Corporate & Investment Banking business partners to assist / manage the Client Credit Relationship
• Be able to work independently on end to end execution of transactions including due diligence credit analysis financial modeling grading structuring credible challenge 1st line and formulate reasonable & holistic recommendations for Credit Executive Approval across industries.
• Be able to confidently lead client due diligence meetings with professional verbal & behavioral presence around clients and business
• Proactively use LLM across range of tasks to support production analysis and enhance efficiency
• Ongoing active monitoring of the portfolio including limit/exposure and breach management and being the first point of contact for all queries related to portfolio
• Support local legal entity risk management requirements in line with local regulations
• Be able to network with teams across the bank and collaborate with stakeholders to achieve objectives

Required qualifications capabilities and skills

• Degree in Finance Economics or Accounting
• Minimum 3 years of experience in credit related role
• Strong written and verbal communication skills in both Chinese and English
• Possesses strong quantitative ability in analyzing and interpreting financial statements draws well-thought out conclusions from analysis and is credit trained
• Ability to work independently on detailed credit due diligence for complex transactions i.e. leverage finance structured derivatives transactions etc. with strong credit analysis skills product and industry knowledge.
• Organized self-motivated and proactive with willingness to take initiative
• Flexible mindset with solution orientation (going beyond identification of risks)
• Strong teamwork/partnership approach (both with business partners and within Credit)

Preferred qualifications capabilities and skills

• Knowledge / experience of trade finance derivative documentation (including ISDA and CSA) as well as familiarity with term sheets / loan documentations