Senior Credit Management Director

1 week ago


Hong Kong, Central and Western District, Hong Kong SAR China The Bank of East Asia Full time
Job Title: Senior/Credit Management Manager

Join The Bank of East Asia as a Senior/Credit Management Manager and take on a challenging role in our Secured Lending & Transformation team.

Key Responsibilities:
  • Support the Team Head in overseeing the workflow, operations, and process of application approval for credit card, consumer loan, and mortgage loan.
  • Review and approve card and mortgage loan applications, and prepare credit proposals and annual credit review proposals for Management's approval.
  • Ensure proper approvals are obtained according to the Bank's credit guidelines and relevant regulatory requirements.
  • Support business objectives by adopting a balanced risk-reward approach and ensuring quality portfolios to minimize credit loss.
  • Monitor the service quality of team members to achieve pre-set standards and ensure meeting of the Service Level Agreement (SLA) of card and loan approval.
  • Work closely with internal Sections and Departments to ensure timely and speedy approval of card and loan applications to achieve business goals.
  • Handle and investigate customer complaints and requests.
  • Handle enquiries from frontline staff and internal Departments on credit assessment for card and loan applications.
  • Represent the Department to participate in work groups of new initiatives and special projects.
  • Address queries related to loan approval raised by Internal Audit Department, external auditor, Compliance Department, and Hong Kong Monetary Authority from time to time.
Requirements:
  • University graduate.
  • Preferably with over 8 years of experience in the banking sector, in which at least 3 years at supervisory level on credit management or credit approval.
  • Good understanding of retail lending products and SME loans.
  • Sound knowledge of financial analysis and MIS tools.
  • Familiar with related regulatory guidelines and banking policies.
  • Strong credit sense and risk awareness.
  • Strong communication and interpersonal skills.
  • Proactive and result-oriented.
  • Independent, detailed-oriented, and able to work under pressure.
  • Good command of both spoken and written English and Chinese, proficiency in Putonghua is an advantage.

Candidates with less experience will be considered for the position of Credit Management Manager.



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