Credit Approver
Il y a 19 heures
Brussels, Brussels-Capital, Belgique
Chong Hing Bank Limited
Temps plein
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Chong Hing Bank Limited was founded in Hong Kong in 1948. The Bank and its subsidiaries (including Chong Hing Securities Limited and Chong Hing Insurance Company Limited) offer comprehensive commercial banking and financial services to individual and corporate customers. These services include HKD and foreign currency deposits, credit, foreign exchange, wealth management, investment, securities, insurance and mandatory provident fund. The Bank currently operates a network of more than 30 branches in Hong Kong as well as 1 branch in Macau, 17 branches and sub-branches in Mainland China. In recent years, the Bank has been actively expanding its business. To cope with the Bank's rapid growth, we are now inviting high calibre candidates to join us and develop successful careers with us.
Responsibilities
• Exercise independent credit judgement to review, analyze and approve credit applications within the delegated approval authority, ensuring all applications are aligned with the Bank’s strategic objectives
• Proactively identify, evaluate and escalate any material exceptions to the Bank’s credit policy, underwriting standards, and terms and conditions to safeguard the Bank’s interests
• Take ownership of assigned credit portfolio, conducting ongoing monitoring and reviews to ensure credit quality remains within the Bank’s risk appetite and policies
• Prepare comprehensive credit recommendations for applications requiring higher-level approval, facilitating decision making by senior management or credit committees
• Develop and maintain expertise in designated industries, providing regular updates and insights on market trends, emerging risks and opportunities
• Conduct client calls, factory visits and discussions with management to gain a thorough understanding of client operations and creditworthiness
• Perform other ad hoc projects or assignments Requirements
• University graduate in Risk Management, Finance, Accountancy or related disciplines
• Holder of CCRP(CPM) under ECF on Credit Risk Management
• A minimum of 8 years of progressive experience in credit approval, with a substantial focus on SME, commercial and corporate lending within banking or other financial institution
• Expertise in corporate banking products, financial statement analysis, accounting principles and end-to-end credit administration
• Comprehensive knowledge of a wide range of loan structures, syndicated facilities, and different types of collateral and security arrangements
• Good understanding of key industry dynamics, macroeconomic factors, and their impact on credit risk
• Strong analytical, problem solving and decision making skills, with the ability to communicate complex credit issues clearly and concisely
• Fluency in both written and spoken English and Chinese (including Putonghua)
• Candidate with less experience will also be considered
We offer
competitive remuneration package and promising career opportunities to the successful candidates. Interested parties, please send full resume with current & expected salary and the date of availability to The HR Division, G.
P.
O. Box 2535, HK , or by clicking Apply Now. Please quote reference on your application. Information provided will be treated in strict confidence and only be used for recruitment purposes. Personal data of unsuccessful applications will be destroyed 24 months after the completion of the recruitment and selection exercise. The Mandatory Reference Checking (MRC) Scheme is a regulatory framework established by the Hong Kong Monetary Authority, which requires banks to check the conduct history of prospective employees for positions defined under the scheme. Therefore, MRC will be a part of our selection process if you apply for the in-scope positions. For details, please refer to the “Frequently Asked Questions for In-Scope Individuals” (https://www.hkab.org.hk/en/page/5/mandatory-reference-checking-scheme-phase-2) published by HKAB.
• Exercise independent credit judgement to review, analyze and approve credit applications within the delegated approval authority, ensuring all applications are aligned with the Bank’s strategic objectives
• Proactively identify, evaluate and escalate any material exceptions to the Bank’s credit policy, underwriting standards, and terms and conditions to safeguard the Bank’s interests
• Take ownership of assigned credit portfolio, conducting ongoing monitoring and reviews to ensure credit quality remains within the Bank’s risk appetite and policies
• Prepare comprehensive credit recommendations for applications requiring higher-level approval, facilitating decision making by senior management or credit committees
• Develop and maintain expertise in designated industries, providing regular updates and insights on market trends, emerging risks and opportunities
• Conduct client calls, factory visits and discussions with management to gain a thorough understanding of client operations and creditworthiness
• Perform other ad hoc projects or assignments Requirements
• University graduate in Risk Management, Finance, Accountancy or related disciplines
• Holder of CCRP(CPM) under ECF on Credit Risk Management
• A minimum of 8 years of progressive experience in credit approval, with a substantial focus on SME, commercial and corporate lending within banking or other financial institution
• Expertise in corporate banking products, financial statement analysis, accounting principles and end-to-end credit administration
• Comprehensive knowledge of a wide range of loan structures, syndicated facilities, and different types of collateral and security arrangements
• Good understanding of key industry dynamics, macroeconomic factors, and their impact on credit risk
• Strong analytical, problem solving and decision making skills, with the ability to communicate complex credit issues clearly and concisely
• Fluency in both written and spoken English and Chinese (including Putonghua)
• Candidate with less experience will also be considered
We offer
competitive remuneration package and promising career opportunities to the successful candidates. Interested parties, please send full resume with current & expected salary and the date of availability to The HR Division, G.
P.
O. Box 2535, HK , or by clicking Apply Now. Please quote reference on your application. Information provided will be treated in strict confidence and only be used for recruitment purposes. Personal data of unsuccessful applications will be destroyed 24 months after the completion of the recruitment and selection exercise. The Mandatory Reference Checking (MRC) Scheme is a regulatory framework established by the Hong Kong Monetary Authority, which requires banks to check the conduct history of prospective employees for positions defined under the scheme. Therefore, MRC will be a part of our selection process if you apply for the in-scope positions. For details, please refer to the “Frequently Asked Questions for In-Scope Individuals” (https://www.hkab.org.hk/en/page/5/mandatory-reference-checking-scheme-phase-2) published by HKAB.