Credit Risk Analyst / Manager, HK/Singapore

Key Responsibilites

• Assist the GRM Asia department to build sound relationships and information flows with the key business stakeholders in Asia Pacific and HQ in Spain.
• Provide credit analysis and advices for Corporate & Investment Banking clients. 
• Conduct credit analysis on prospective and existing clients by performing financial spreads, providing a credit rating assessment and prepare credit proposals.
• Assess operations on credit / pricing and ensure minimum RAROEC/RORC threshold requirements.  Monitor the credit risk portfolio by follow-up the clients’ financial evolution and credit exposure at all times.
• Highlight to credit committee if there is an event and/or financial position that may materially affect the credit quality of the client and to undertake necessary steps and follow-up actions recommended in the Loan Review Committee.
• Work with internal stakeholders for reports to regulators and auditors. 
• Implementation and control of internal tools: Workflow, Digital PF, Rating tools etc. 
• Assist in monitoring policies and procedures.   

Qualification & Experience

• With a minimum of 5 years relevant experience in corporate banking credit risk management within reputable financial institutions.
• Familiar with risk assessments of large corporate clients
• Degree holder in Business Administration / Finance / Accountancy or its equivalent.
• Good understanding of banking products and risk management concepts.
• Strong communication skills in English. 
• Additional languages will be an asset.

Other Skills 

• Strong analytical and problem-solving skills. 

• Proven ability to identify and communicate Credit Risk.

• Effectively communicate skills to articulate risk issues.

• Strong interpersonal and communication skills

• Customer-oriented

• Able to work in a matrix reporting structure, multi-functional and cross-cultural environment

• Well-organized and meticulous in details

• Ability to work under pressure

• A team player