Credit Risk Manager

3 days ago


Hong Kong, Central and Western District, Hong Kong SAR China DBS Bank (Hong Kong) Limited Full time
Job Description:

At DBS Bank (Hong Kong) Limited, we are committed to delivering strong financial performance while effectively managing risk. As a key member of our Risk Management Group, you will play a vital role in assessing and approving credit applications for customers within delegated lending authority.

Responsibilities:
  • To review, assess and approve credit applications for customers within delegated lending authority.
  • To assess, identify, review and monitor the Bank's credit risk at individual and portfolio level against irregularities identified/deteriorating business conditions to minimize potential NPL.
  • To provide high quality comments and advice to business units on risk assessment, monitoring, deal structuring and account strategy.
  • To assist business units in maintaining a well-diversified portfolio of credit risk, which produces a reliable, reasonable and consistent return to the Bank.
  • To assist Team Head or Department Head to formulate and revise credit policy, credit process, lending guidelines, credit manuals and portfolio strategy in accordance with the changing market environment.
  • To facilitate communication among different business units on credit issues and sharing information and techniques on credit risk management so as to develop a culture of deeper relationship, deeper knowledge and more thoughtful credit decision.

Requirements:
  • University graduates or equivalent in banking, finance, business administration or other related disciplines.
  • Minimum 15 years' corporate banking experience in lending or related activities, preferably with China credit experience
  • Credit evaluation experience either in pure credit functions or in different marketing functions especially where complex credits and/or structuring are involved
  • Relevant non-banking experience is a possibility if it adds to the person's ability to evaluate risks.
  • Sound knowledge of accounting, banking and legal practices
  • Strong credit analytical and risk assessment skills
  • Good knowledge of the Bank's products, operation system, internal policy and credit guidelines and regulatory requirements
  • Good verbal and written communication skills
  • Effective people management skill
  • Proactive attitudes

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