Responsibilities:

• Conduct thorough credit analysis of SME loan applications, focusing on trading companies and e-commerce businesses, by evaluating financial statements, cash flow projections, credit reports, and industry-specific risks (e.g. inventory turnover, marketplace dependency for e-commerce).

• Prepare credit assessment report for loan approval .

• Evaluate customer’s risk profile and give independent recommendations on potential risks and mitigation measures.

• Monitor active loan portfolios to identify early warning signs of credit deterioration, such as missed payment or declining sales revenue.

• Conduct periodic reviews of borrower financials and covenant compliance to ensure adherence to loan terms.

• Develop and implement restructuring plans for delinquent accounts, including negotiating revised payment terms, extending loan tenors, and etc.

• Collaborate with Relationship Managers and borrowers to address root causes of delinquency and propose viable solutions to minimize losses.

• Analyze root causes of delinquency and suggest process improvements to enhance collection efficiency.

• Ensure efficient turnaround of credit processing.

Requirements:

• Degree holder, preferably in finance, accounting or other business related fields. CFA, CPA or FRM is a plus.    

• At least 5 years’ solid credit assessment experience in sizable financial institutions with great knowledge of trade finance, commercial lending, lending guidelines and market credit practice. Ideally with a strong knowledge in lending to Chinese enterprises, SME, e-commerce and supply chain industry.   

• Strong analytical skills, report writing and problem solving skills with logical credit judgment.   

• Good team player with tactful inter-personal & communication skills, self-motivated and detail-minded with strong risk control sense and analytical skills.   

• Fluent in Putonghua and good command on both spoken and written English and Chinese.   

Benefits:

• 5-Day Work Week

• Flexible Working Hours

• Discretionary Performance Bonus

• Annual Leave & Birthday Leave

• Medical & Dental Insurance Coverage