Credit Analyst (Retail Credit, Personal Loans)

Credit Analyst (Retail Credit, Personal Loans)

Our client is a reputable organization committed to fostering a collaborative and innovative work environment focused on excellence in retail banking. The role involves performing credit risk assessments and approvals for various retail lending products, including personal installment loans, credit cards, secured term loans, and general banking facilities. It plays a vital part in ensuring compliance with regulatory requirements and credit policy guidelines while supporting operational efficiency through process recommendations. The position offers an opportunity to work closely with business teams and front-line staff, contributing to the smooth management of retail loan applications.

Role Overview:
The Credit Analyst will be responsible for assessing and approving retail loan applications, ensuring adherence to credit policies and regulations, and collaborating with stakeholders to resolve issues and improve workflows. The role supports the wider retail banking team in managing risk and operational processes effectively.

Key Skills & Experience:
• At least 5 years of experience in assessing and under-writing retail loan applications
• Familiar with the end-to-end loan application process and processing platforms
• Strong knowledge of credit card or retail loan credit policies and regulatory requirements
• Good product knowledge and risk exposure in retail banking
• Ability to communicate effectively with front-line sales staff and other stakeholders
• Proficient in PC software operations such as MS Office
• Fluency in both spoken and written English and Chinese
• Holder of ECF on Credit Risk Management preferred

Key Responsibilities:
• Perform credit risk assessment and approval for retail lending products, including personal installment loans, credit cards, and secured loans
• Recommend credit policy guidelines and workflow improvements to enhance operational efficiency
• Ensure compliance with regulatory and credit policy requirements during credit assessment processes
• Collaborate with business departments and sales teams to resolve issues on loan applications and provide practical solutions
• Support user acceptance testing for Loan Application Processing Systems
• Participate in ad hoc projects related to retail credit risk management

The position is based on-site and involves a full-time, permanent commitment. If you meet the above criteria and are interested in contributing to a dynamic retail banking team, we invite you to apply now.