Credit Decisions Specialist

2 weeks ago


Hong Kong, Central and Western District, Hong Kong SAR China ConnectedGroup Full time
Job Summary

We are seeking a Credit Analyst to join our team at ConnectedGroup. As a Credit Analyst, you will play a critical role in assessing the risks associated with credit applications and making informed decisions about these applications. You will work closely with our Corporate/Business Managers to ensure that all credit applications are thoroughly evaluated and approved or declined based on sound business principles. Your responsibilities will include conducting thorough analyses of credit applications, including reviewing financial statements, assessing creditworthiness, and evaluating potential risks. You will also be responsible for communicating your findings and recommendations to our Corporate/Business Managers and other stakeholders. If you have a strong background in finance, excellent analytical skills, and the ability to make sound judgments, we encourage you to apply for this exciting opportunity.

Key Responsibilities
  • Conduct thorough analyses of credit applications, including reviewing financial statements, assessing creditworthiness, and evaluating potential risks.
  • Communicate findings and recommendations to Corporate/Business Managers and other stakeholders.
  • Work closely with Corporate/Business Managers to ensure that all credit applications are thoroughly evaluated and approved or declined based on sound business principles.
  • Assess all underlying risk of credit applications.
  • Conduct cashflow analysis, projection, peer comparison, if applicable, with reference to the relevant information gathered from internal and external sources.
  • Coordinate with Corporate/Business Managers for any matters related to credit applications, further elaborate and clarify with respective commercial officers if needed.
  • Giving comments if any special approvals and date postponement are required.
  • Keep track on any credit issues that need to be followed up and conduct interim review of any accounts if required.
  • Monitor turnaround timeframe for processing of credit proposals.
  • Approve credit applications within the delegated authority.

Requirements

You must have a university graduate background with at least 3 years of working experience in credit analyst with relevant credit analysis and bills operation trainings. A sound knowledge of local economic/industrial conditions, banking laws & practices, in-depth knowledge of import & export operations and related lending products offered by Banks is essential. HKICPA, ACCA, CFA, FRM are preferred qualifications. Good analytical & report writing skills with logical credit judgment are necessary along with good knowledge in PC skills and a good command of written & spoken English & Chinese.


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