This sector contains all our credit jobs. Credit professionals are often referred to as 'credit risk managers' 'credit analysts' or 'credit officers', while some banks simply use a seniority level followed by the key word - e.g 'vice president, credit'. Whatever the title, over the course of their credit careers they are essentially tasked with reviewing credit applications from the bank's clients (e.g. corporations wanting to borrow money) or from financial institutions who are the firm's counterparties.
Credit risk is the risk of loss of principle if a borrower defaults on a loan repayment obligation. It arises whenever an individual or company expects to use future income to pay a current debt. Credit risk analysts and professionals help to mitigate this risk by preparing credit proposals and credit reviews, which provide the business with independent assessments about the financial standing of prospective and existing borrowers.
Credit analysts collaborate with the lending team to ensure that credit proposals or extensions are approved or declined in accordance with both the firm's internal credit policies and local regulations. Most lenders use their own models (credit scorecards) to rank potential and existing customers according to risk. Factors such as operating experience, management expertise, asset quality, and leverage and liquidity ratios are taken into account.
The aim is to ensure high credit quality through the structuring, sanctioning, monitoring and control of credit applications, as well as ongoing maintenance of credit standards. It is also the job of credit analysts to perform regular reviews of clients whose credit portfolios require close monitoring. This helps to ensure that any deterioration is quickly recognised and that credit risk is mitigated.
Credit professionals, especially senior ones, maintain close working relationships with the business and must understand their portfolio and risk capabilities. They must also stay up to date with financial analysis and the risk profiles of their assigned sectors, borrowers and counterparties throughout their credit careers. Ultimately, they must balance the desire of front-office sales staff to expand the business, with the need to lend prudently and make sound credit decisions.
There are credit risk issues within different types of transactions - including corporate banking, project finance, structured trade and syndications. And it's not only banks that recruit credit professionals. Private equity firms, for example, use them to manage the credit risk of counterparties and investment-related service providers.
Credit jobs can also be quite specific, such as roles which focus only on counterparty risk and involve due diligence visits to financial institutions to collect credit information. Financial records are analysed on excel spreadsheets so that the bank has a realistic assumption of future operating performance.
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|Credit Risk Analyst||Talent2 Hong Kong Competitive||Hong Kong SAR||21 May 13|
An international bank is now looking for two credit analysts, china corporates and local corporates.
|VP RELATIONSHIP MANAGER - NON-BANK FINANCIAL INSTITUTIONS||Hays Negotiable||Hong Kong SAR||21 May 13|
MANAGE NON-BANK FI PORTFOLIO IN AN ESTABLISHED GLOBAL BANK
|TEAM HEAD CREDIT CONTROL AND POLICIES - CREDIT RISK||Hays Negotiable||Hong Kong SAR||21 May 13|
CREDIT RISK MANAGEMENT FOR LEADING COMMERCIAL BANK
|SENIOR RISK MANAGER - TRADED CREDIT RISK||Hays Negotiable||Hong Kong SAR||21 May 13|
MANAGING CREDIT RISK DERIVED FROM TRADING FINANCIAL MARKETS PRODUCTS
|SVP/ TEAM HEAD CREDIT APPROVAL - MID-MARKET COMMERCIAL BANK||Hays Negotiable||Hong Kong SAR||21 May 13|
REVIEW/APPROVE COMMERCIAL LENDING IN A LEADING BANK
|SR CREDIT APPROVER - EUROPEAN CORPORATE AND INVESTMENT BANK||Hays Negotiable||Hong Kong SAR||21 May 13|
CREDIT APPROVAL AND PORTFOLIO MANAGEMENT FOR LARGE REGIONAL CORPORATES
|AVP - CREDIT RISK MANAGEMENT ANALYST - COMMERCIAL BANK||Hays Negotiable||Hong Kong SAR||21 May 13|
CREDIT RISK STRESS TESTING ON BANK PORTFOLIO
|MANAGER - CREDIT APPROVAL - COMMERCIAL BANKING (2 New Openings)||Hays Negotiable||Hong Kong SAR||21 May 13|
ASSESS AND APPROVE CREDIT APPLICATIONS IN COMMERCIAL BANKING
|VP - CAPITAL MANAGEMENT & CREDIT RISK METRICS - RISK MANAGEMENT||Hays Negotiable||Hong Kong SAR||21 May 13|
SENIOR RISK MANAGEMENT ROLE IN AN EXPANDING BANK
|ASSISTANT RELATIONSHIP MANAGER - LOCAL CORP OR CHINA CORP||Hays Negotiable||Hong Kong SAR||21 May 13|
ASSIST RELATIONSHIP MANAGERS IN LOCAL CORPORATES / CHINA CORPORATES PORTFOLIO
|Business Control Analyst||Talent2 Hong Kong Attractive||Hong Kong SAR||21 May 13|
A leading international bank is looking for an experienced Business Control Analyst.
|Director / Associate Director – Flow Credit Trading||Haitong International Securities Group Limited Not Specified||Hong Kong SAR||21 May 13|
Please quote the reference number (Ref: EF/FICC/FCT) in the application.
|Corporate Credit Analyst - Manager||Morgan McKinley Negotiable||Hong Kong SAR||20 May 13|
Our client is a leading Coporate Bank looking to looking to build out their Credit team.
|Senior Traded Credit Risk Manager – Commodities – Global Banking Giant||Barclay Simpson Asia Excellent for the right candidate||Hong Kong SAR||20 May 13|
My client, a global banking giant with a major presence in Asia is looking to recruit an experienced credit ri...
|Risk Management, Private Banking (AVP)||KC Premiere & Associates $60-70K plus generous benefit package||Hong Kong SAR||17 May 13|
A high calibre credit and risk professional with broad base exposure and technical skills (including credit an...
|Senior Manager Infrastructure Advisory||Argyll Scott International (Hong Kong) Attractive||Hong Kong SAR||13 May 13|
Our client is a global advisory firm that has recently won several mandates with major HK infrastructure proje...
|Repo Trader||Not Disclosed Competitive||Hong Kong SAR||13 May 13|
An excellent opportunity exists for an Associate / VP level Repo Trader to join a leading sell side firm.
|Credit Approval Director||Pure Search Hong Kong Competitive||Hong Kong SAR||10 May 13|
• Corporate and Investment Banking Focused • Regional Approval Authority • Growing Business
|Lender for Standard Credit (Centralized Lending) Team - Private Banking||JPMorgan Chase Not Specified||Hong Kong SAR||08 May 13|
Lender for Standard Credit (Centralized Lending) Team Responsible for managing a loan portfolio within the ...
|Credit Risk Analyst -- Standard Credit (Centralized Lending) Team||JPMorgan Chase Not Specified||Hong Kong SAR||06 May 13|
Credit Risk Analyst - Standard Credit (Centralized Lending) Team The Centralized Lending Team (CLT) is part...
|Desk Analyst - Fixed Income Sales and Trading||Haitong International Securities Group Limited Not Specified||Hong Kong SAR||03 May 13|
Please quote the reference number (Ref: EF/FICC/DA) in the application.
|Director / Associate Director – Fixed Income Sales||Haitong International Securities Group Limited Not Specified||Hong Kong SAR||03 May 13|
Please quote the reference number (Ref: EF/FICC/FIS) in the application.
|Director / Associate Director – Flow Credit Trading||Haitong International Securities Group Limited Not Specified||Hong Kong SAR||03 May 13|
Please quote the reference number (Ref: EF/FICC/FCT) in the application.
|Credit Ratings, Business Development Director – Asia||Michael Page HK Financial Services Global Markets Excellent plus bonus||Hong Kong SAR||29 Apr 13|
Reporting in to the General Manager – Asia of this growing Credit Ratings Agency, you will be directly respons...
|Head of Commercial Banking, Hong Kong||Michael Page HK Financial Services Global Markets Excellent to attract the best||Hong Kong SAR||29 Apr 13|
Our client is a successful, rapidly growing and highly acclaimed international bank. The Head of Commercial Ba...
|Chief Analyst – Global Ratings Agency||Michael Page HK Financial Services Global Markets World class to attract the best||Hong Kong SAR||29 Apr 13|
Our client is a new Global Ratings Agency backed by established regional Ratings Agents. The Chief Analyst...
|Associate - Corporate Analytical Ratings||Standard & Poor's Singapore Competitive||Hong Kong SAR||26 Apr 13|
An Associate will be part of a team that meets with issuers and investors and will assist in resolving clients...
|Credit Risk Manager||Hudson Hong Kong Attractive Remuneration||Hong Kong SAR||25 Apr 13|
•Chinese based Securities Brokerage •Open to candidates with over 7 years of experiences in Credit Risk •At...
|Director, Compliance Officer, Fixed Income, Currencies & Credit||Not Disclosed Negotiable||Hong Kong SAR||12 Apr 13|
Provide compliance coverage and advice for - Fixed Income, Currencies & Credit, Treasury ("FIC" & "TRE")
|Executive Director with RO license (Type 6)||Webbe International Very Competitive/Market Rate||Hong Kong SAR||05 Dec 12|
Our client, a top-tier Chinese Investment Bank (top-ranked within domestic China capital markets). We are cu...