Credit Analyst (Retail Credit, Personal loans)

Industrial and Commercial Bank of China (Asia) Limited (“ICBC (Asia)”) is the flagship of overseas business of Industrial and Commercial Bank of China Limited (“ICBC”) – currently the largest commercial bank in China, and it is one of the domestic systemically important banks (D-SIBs) in Hong Kong. Currently, ICBC (Asia) has 52 retail outlets (including 27 “Elite Club” Wealth Management Centres) in Hong Kong.

It is engaged in commercial banking, investment banking and other financial services, including those of securities, insurance and funds, with a focus on commercial and retail banking as well as global market business. Chinese Mercantile Bank and ICBC Asset Management (Global) Company Limited, two wholly-owned subsidiaries of ICBC (Asia), specialize in Renminbi services in mainland China and ICBC’s global asset management business respectively.

Job Responsibilities

Perform credit risk assessment and approval function for retail lending products with focus on personal instalment loans, credit cards, secured term loans, general banking facilities. Recommend credit policy guidelines / workflow simplification to achieve operational efficiency Ensure the compliance of regulatory requirement as well as credit policy guidelines in credit assessment Collaborate with business departments and front line sales staff in solving issues arising from unsecured loan and secured term loan applications and provide workable recommendations / solutions Support user acceptance test on Loan Application Processing System Participate in ad hoc projects as required Job Requirements University graduate with major in Business Administration, Finance or related disciplines At least 5 years of solid experience in assessing and under-writing retail loan applications Familiar with the end to end loan application process, loan under-writing / process platform Thorough knowledge, understanding and application of credit card or retail loan credit policy and regulatory requirements Good product knowledge and risk exposure in retail banking Able to deal with front line sales staff in resolving issues arising from the loan applications and providing workable solutions A team player but able to work independently with minimal supervision Good communication and interpersonal skills Proficiency in PC software operations such as MS Office Good command in both spoken & written English and Chinese Holder of ECF on Credit Risk Management is preferable Interested parties, please click "Apply Now" for application.

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