Credit Analyst

Habib Bank Zurich (Hong Kong) Limited, a Restricted Licence Bank (“HBZHK”), is a subsidiary of Habib Bank AG Zurich, Switzerland, incorporated in Hong Kong since 1979. The Bank specialises in providing customised trade finance solutions, offering a diverse range of products and services. HBZHK was recognised amongst the Best Places To Work in Hong Kong in 2023 by Best Places to Work Ltd. We continuously provide opportunities for team members, support them to achieve their career goals, and foster continuous learning and development. Experienced staff and fresh thinkers make up an eclectic mix of experts, who enjoy a culture of acceptance and innovation. We invite applications from high calibre, dynamic professionals to be part of our team as a Management Trainee for the 2025 Programme. Credit Analyst The incumbent will play a key role in evaluating credit risk, preparing credit proposals, and ensuring compliance with internal policies and regulatory requirements. Responsibilities Conduct in‑depth financial analysis of corporate banking clients including Mid‑Corporate & SME clients, financial statement review, cash flow analysis, and industry benchmarking. Assess creditworthiness and identify key risks and mitigates. Prepare high‑quality credit proposals and risk assessments for new and existing clients. Collaborate closely with Relationship Managers to understand client needs and structure appropriate credit solutions. Liaise with Credit Department to propose the credit limits based on the bank’s risk appetite, credit policies and client’s credit profile. Provide analytical support during client meetings and assist in preparing related materials. Track and report on portfolio performance, concentration risks, and sector exposures. Ensure all credit submissions comply with internal credit policies, regulatory guidelines, and risk appetite frameworks. Maintain up‑to‑date knowledge of relevant banking regulations and industry best practices. Support periodic credit reviews and covenant monitoring. Undertake any other ad‑hoc assignments given by Department Head including assistance in Account opening & compliance with KYC requirements. Requirements Bachelor Degree in Finance, Accounting, Economics, or a related discipline with CFA, ACCA, CPA or FRM qualifications an advantage. Holder of ECF certification in ACRP is preferred. 3–5 years of experience in credit analysis, preferably in corporate or commercial banking. Sound knowledge of trade finance products with formal credit analysis training. Strong understanding of legal and regulatory requirements and banking practices on credit risk management. Familiarity with local and international regulatory requirements (e.g., HKMA, Basel guidelines). Excellent analytical, problem‑solving and report‑writing skills. Strong attention to detail and accuracy. Strong time management skill with the ability in handling multi‑tasks effectively in a strict deadline environment. Effective communication and interpersonal skills. Team‑oriented with a proactive and collaborative mind‑set. Interested parties are invited to apply by sending your resume with full details of education, work experience, current & expected salary, contact telephone number and earliest available date to email. Habib Bank Zurich reserves the right not to make appointment for the post(s) advertised. We are an equal opportunity employer and welcome applications from all qualified candidates. All personal information provided will be treated in strict confidence and used solely for recruitment purposes. It is possible that information about the applicant or the applicant’s application will be shared within the Habib Bank Zurich Group. Applicants not hearing from us within 6 weeks from the date of advertisement may consider their applications unsuccessful. Personal data on an unsuccessful applicant will normally be destroyed within 2 years after rejection of the application. Seniority level Mid‑Senior level Employment type Full time Job function Analyst Industries Banking #J-18808-Ljbffr