Credit Manager with fluent MANDARIN

This role is working within the Corporate Banking team covering Large Corporates, fluent Mandarin is essential for this role and team.

• Support the Corporate Banking Team with credit risk and financial analysis for existing and prospect clients to support marketing activities by anticipating the financing needs of clients, by undertaking fundamentals-based analysis, working in partnership with the Relationship Manager to produce presentations.
• As part of the 'First Line of Defense', working with the RM, the credit manager will prepare and coordinate transaction proposal credit papers, to minimise the Bank's credit-related losses by identifying/reasonably measuring credit risks and mitigants in proposals, reviews etc. Act as key liaison between the team and Credit Risk Department to ensure fluid communication between all parties to maximise the chance of positive transaction vetting by CRD.
• Managing the risk of the portfolio with other team members so as to make clear unambiguous recommendations to Credit Risk Department (CRD - inclusive of CMD and CAD), Credit Committee & HO, in accordance with the Bank's credit policy with respect to particular business transactions and applicable local and head office credit risk policy impacting.
• Assist the team & management in monitoring, identifying and reasonably measuring credit risk in the Bank's asset portfolio so as to comply with prevailing credit risk appetite and booking policies. Support interface with middle office/credit ledger system, alongside the RM teams.
• Work with team & management to evolve the supporting credit risk architecture and enablers.
• In particular: Credit risk policy applicable to CBD, CBD rating methodologies and identification/negotiation of apposite CBD information service access. Objective to enhance risk reward asset attribution. Support credit, operations & credit risk technical training for the CBD team. Use the Business Support Office (BSO) to help arrange. Perform research of industry & customer-related information for CBD portfolio and provide expert guidance on credit risks related matters.

Mandarin is essential for this role and team.

Undertake Financial Analysis

Credit Transaction Submissions - As a member of First Line of Defense, to prepare credit proposals and co-ordinate customer due diligence (CDD) matters; support CBD Team prepare pre-wash papers, credit applications, annual reviews, waiver papers and special / watch list monitoring reports in a timely, professional manner.

Credit paper preparation to provide insight on industry and trends based on own research.

Provide a robust independent challenge in credit process, in accordance with Bank's credit policy undertaken in co-ordination with CRD Analyst's concurrent paper review to achieve a timely, co-ordinated & predictable CRD review outcome.

Application priorities defined on regular basis by team pipeline meeting so incumbent can (i) effectively manage time (ii) has clarity on products-clients incumbent/other team members and takes lead on preparing papers.

Direct incumbent productivity target of 2 credit papers in preparation/completion cycle of 2 weeks at any time.

Prioritisation of incumbent prepared papers expected on structured deals.

Key support for difficult issues in other products e.g. (i) RCF un-secured justification of high gearing vs. industrial large corporate capital structures (ii) key peer ratio analysis register etc.

• 5 years' experience and above
• Related experience is preferred but not mandatory;
• Banking / credit rating agency experience is preferred;
• Mandarin speaker who is proficient to write and communicate efficiently with Head Office colleagues.
• Will be looking after large corporate coverage, big names in retail, supermarket, aviation, utility companies etc.