Trainee

Responsibilities

Credit analysis  

• Conduct credit analysis for corporate counterparts by preparing concise, critical and well-argued credit proposals on new request and renewals of credit facilities. 
• Evaluate and make recommendation on credit limits requested from coverage team and business lines based on bank’s risk appetite and client’s credit profile. 
• Conduct regular and timely annual reviews and credit facility renewals. 
• Review and assess client’s obligor rating at least annually, or as driven by special events and maintain valid ratings in the Bank’s rating tool. 
• Continue to improve credit file productivity and processing efficiency and respond in timely manner to credit requests. 
• Expedite and manage the credit approval process by liaising with relevant approvers and RISQ officers. 
• Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients 
• Back up and support other credit analysts. 
• Assist in special projects or assignments as requested by team head. 
   
  Reporting 
• Support for week deal flow generation, annual review tracking and monitoring, credit volume statistics and portfolio analytics. Also act as a back-up support to our data analyst within CPM.  
• Assist other credit analysts to monitor credit exposure/overshoots, concentration risk, financial covenants and credit conditions; verify data and support reporting requirements related to these areas. 

Profile required

• Degree in relevant discipline from a recognized university (MBA or other professional qualifications such as CFA or CPA , FRM or equivalent is preferred) 
• Previous experience in a role of credit risk analysis or assistant corporate relationship manager is a plus 
• Solid accounting, corporate finance, and credit analysis skills 
• Strong problem-solving ability with analytical thinking 
• Good knowledge in data analytics and related field 
• Quick learner and ability to multi-task 
• Attention to detail and ability to self-check 
• Basic knowledge of different bank products, particularly commercial banking/transaction banking products, treasury products 
• Basic knowledge of regulatory and business environment in Greater China 
• Well versed in MS Office applications (Word, Excel, VBA, Microsoft Access, PowerPoint, Copilot is a must) 
• Good communication skills.  Fluent English and Mandarin Chinese language skills (both speaking and writing) are mandatory to facilitate transactions with Chinese speaking clients. French language skill is a plus. 

Behavioral Skills

• Client - Risk: I strive to satisfy clients while taking into account risks for the company    
• Team Spirit - Collective mindset: I favour the team’s interest over my own results    
• Innovation - Technology: I adopt new technologies in the solutions and projects I work on    
• Commitment - Sustainability: I strive to develop my skills and knowledge    
• Responsibility - Accountability: I make decisions in my scope of responsibilities    
• Responsibility - Performance: I strive for high performance