Client Profile:

Our client is a global leading financial services platform. They are known for their innovative approach to banking, leveraging technology to provide user-friendly and efficient financial services to various group of clientele.

What You’ll Be Doing:

• Credit Assessment Guru: Evaluate and approve SME credit applications, ensuring accurate risk analysis, sound judgment, and alignment with the bank’s policies and risk appetite.
• Risk Management Strategist: Conduct in-depth reviews of credit risks associated with SME lending, providing tailored recommendations to safeguard portfolio health.
• Policy Advocate: Uphold compliance with regulatory guidelines and internal credit frameworks, actively contributing to the optimization of credit policy for SME portfolios.
• Collaborative Partner: Work closely with relationship managers and business units to craft creative, practical, and risk-conscious credit solutions for SME clients.
• Trend Tracker: Monitor market conditions and SME-specific trends to anticipate and mitigate potential risks, offering proactive insights to inform decision-making.
• Decision Maker: Exercise delegated authority to approve SME credit proposals while adhering to defined limits and timelines to support business growth efficiently.
• Knowledge Enabler: Share expertise with junior credit analysts and contribute to their development through training and mentoring.

Who They’re Looking For:

• Educational Background: A degree in Finance, Business Administration, or a related field, with advanced certifications like CFA or FRM as a plus.
• SME Expertise: Minimum of 8–10 years of experience in credit risk assessment, preferably focused on the SME segment in banking or financial services.
• Risk Proficiency: Strong understanding of SME credit products, local and regional markets, and risk management principles.
• Analytical Thinker: Exceptional analytical and problem-solving skills with a proven ability to evaluate complex financial statements and scenarios.
• Communication Savvy: Excellent communication and negotiation skills to effectively engage with stakeholders, clients, and internal teams.
• Detail-Oriented Leader: Meticulous attention to detail combined with the ability to make confident, well-informed credit decisions.
• Bilingual Advantage: Proficiency in English and [other relevant language(s), e.g., Cantonese/Mandarin], to cater to a diverse clientele.

Action Now:

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