Credit Risk Manager

We are seeking a Credit Risk Manager to lead the evaluation and approval of corporate banking credit proposals.

Responsibilities:

• Lead the evaluation and approval of corporate banking credit proposals, ensuring alignment with the Bank's risk appetite, credit policies and regulatory requirements.
• Conduct comprehensive credit assessments and investigations for new and existing corporate clients.
• Provide independent credit recommendations on new facilities, renewals and annual reviews, and approve credit applications within delegated authority.
• Maintain strong portfolio quality through ongoing monitoring of credit exposures, emerging risks and industry developments.
• Advise relationship managers on credit structuring, risk mitigation strategies and transaction execution.
• Develop, review and enhance credit policies, procedures and approval guidelines to ensure effective risk governance.
• Partner with business, legal, compliance and risk functions to facilitate efficient credit decision-making and sound risk management.
• Represent the credit function in credit committees, regulatory engagements and strategic credit-related initiatives.
• Act as a key liaison between local and regional stakeholders to ensure consistent credit standards and policy implementation.

Requirements:

• Degree in Finance, Accounting, Economics or a related discipline.
• Minimum 15 years of relevant banking experience, including at least 10 years in a leadership or senior management role.
• Proven experience in corporate credit risk management, credit underwriting and approval of large corporate and complex credit transactions.
• Knowledge of financial analysis, risk assessment, credit structuring and banking products.
• Sound understanding of regulatory requirements and industry practices relating to credit risk management.
• Strong commercial judgment with the ability to balance business growth and prudent risk management.
• Excellent interpersonal, stakeholder management and influencing skills, with the ability to engage effectively with senior management and business partners.
• Strong analytical, decision-making and problem-solving capabilities.
• Holder of ECF on Credit Risk Management accredited by HKIB is required.