Credit Analyst

Overview

We are seeking a Credit Analyst to evaluate and manage credit proposals for both new and existing corporate banking clients, especially focusing on Chinese corporates and State-Owned Enterprises (SOEs). The role requires translating financial information into internal credit risk assessments and ensuring compliance with relevant internal and regulatory standards.

Key Responsibilities

• Analyze credit proposals involving new and existing corporate clients, including reviewing annual and quarterly financial statements of Chinese corporates and SOEs.
• Convert financial statement data into the Bank's proprietary credit assessment and risk rating systems.
• Assign borrower and facility risk ratings following internal credit policies.
• Prepare thorough loan applications for new funding requirements and the renewal of current credit facilities.
• Conduct in-depth credit reviews and offer actionable recommendations for decision-makers.
• Detect principal credit risks and suggest suitable mitigation strategies and deal structuring.
• Guarantee adherence to internal credit guidelines, regulatory compliance, and China's foreign exchange rules governed by SAFE.
• Carry out portfolio assessments and continuously monitor credit quality of existing client relationships.
• Collaborate effectively with Relationship Managers, Risk Management, Compliance, and other involved parties to expedite credit approval processes.
• Assist with improving procedures, system upgrades, and management reporting efforts.

Qualifications and Skills

• Degree in Accounting, Finance, Banking, or related fields.
• Proficiency in interpreting Chinese financial reports and credit documentation.
• Comprehensive knowledge of financial statement analysis and core corporate credit principles.
• Understanding of China GAAP/CAS and distinctions from IFRS, particularly concerning asset valuation, impairment, and taxation.
• Strong analytical skills combined with excellent report writing and credit evaluation abilities.
• Capability to work autonomously and manage various priorities within a dynamic environment.
• Highly motivated self-learner with an interest in developments affecting China's lending and regulatory frameworks.
• Exceptional stakeholder engagement and communication skills.
• Experience in corporate banking, credit analysis, commercial lending or risk management is a plus.

Additional Information

Only candidates who are shortlisted will be contacted for further steps.