Job Description

• Prepare/support financial and sectorial analysis of credit applications of CMB customers on time and accurately subject to agreed SLA
• Maintain high quality performance in preparing credit analysis
• Provide comments for the credit applications which are submitted, ensuring that the credit process is respected and asset quality maintained
• Ensure that facility falls within the parameters in the area's lending guidelines
• Ensure that processes and procedures adhere to HSBC standards, resulting in a satisfactory Risk Review where undertaken
• Propose CRR (Customer Risk Rating) based on the customer financial statements and qualitative responses provided by the Relationship Managers
• Coordination of responses to queries raised by Risk for each credit proposal
• The jobholder is required to support from a central perspective activities within a distributed, complex and multi segmented business
• Establishing the balance between Group Control Standards and heavily competitive market with other banks
• The job-holder should have good knowledge about the corporate banking processes, industry and market knowledge and local and Group regulatory requirements and credit process
• Strong analytical skills must be utilized. The job holder must be alert to sector and company-specific developments. The financial analysis is a critical part of the package therefore any critical developments must be fully understood and expressed in the credit application
• Working in coordination with the team members where the measure is the feedback received from all stakeholders
• Work effectively with the stakeholders, Risk Team, Line of Businesses, Legal, Compliance and Group Risk

Knowledge

• 4 years University Degree
• Excellent command of English
• Excellent knowledge of MS Office applications
• Good knowledge of local/international Accounting Principles
• Knowledge about corporate credit approval process/applications, Local/Group Compliance Requirements, credit policy, Banking Law
• Knowledge of financial markets, industry and products

Experience

• At least 2-3 years’ experience in the related area
• Experience in one of big-four Audit Company is preferable

Skills

• Strong analytical reasoning capabilities
• Time management
• Strong communication and coordination skills
• High performance skills under stressful job environment