Job purpose

• Assess and recommend / approve credit proposals according to the Bank’s credit standards, policies & guidelines and ensure compliance with statutory requirement.
• Guide junior credit approvers in credit related matters.

Key Responsibilities

• Provide quality credit analysis work.
• Review, analyze and recommend / approve credit proposals of SME business according to the Bank’s policies & guidelines as well as in compliance with statutory requirement.
• Work closely with business counterparties to structure credit facilities and conduct client visits as required.
• Assist team head in designing and implementing mechanism for continuous improvement in respect of operational efficiency, risk control, service level and credit quality.
• Perform ad hoc assignments and handle special projects with credit related issues from time to time as required by management.

Requirements

• Degree holder in Business Administration, Finance, Accounting or related disciplines.
• Minimum 8 years’ experience in SME lending business, of which 4 years are at managerial level.
• Thorough knowledge of accounting principles and financial statement analysis.
• Good knowledge of SME business and market trends.
• Strong analytical and credit assessment skills with excellent understanding of lending principles.
• Good credit reasoning and judgment.
• Good interpersonal and people management skills.
• Ability to communicate and present ideas clearly.
• Good command of both written and spoken English and Chinese (including Putonghua).

China CITIC Bank International Limited ("CNCBI") is 75%-owned by CITIC International Financial Holdings Limited ("CIFH"), which in turn is a wholly-owned subsidiary of China CITIC Bank Corporation Limited ("CNCB").

By providing value-creating financial solutions to define and exceed both wealth management and international business objectives of Greater China and overseas customers, CNCBI aspires to be "the best integrated financial services institution", with the highest international standards and capabilities.

CNCBI's footprint in Greater China includes 28 branches and two business banking centres in Hong Kong, as well as branches and presence in Beijing, Shanghai, Shenzhen and Macau.  CNCBI also has overseas branches in New York, Los Angeles and Singapore.  More information about CNCBI can be found on its website at www.cncbinternational.com.