北京招聘

Scope of Role:

· Credit Analyst (CA) would be primarily responsible for managing the Credit risk associated with the portfolio and ensuring high quality of the portfolio.

· Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit / policy perspective.

· Work as a team with the Relationship Manager (RM) and Assistant Relationship Manager (ARM) on a specified portfolio and facilitate revenue growth in the portfolio.

Key Responsibilities/Challenges:

• Origination

· Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.

· Work with RM and product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.

· Work with the RM in:

a) Obtaining all pre-clearances required in the credit pre-screening session

b) Preparing & presenting BCA; and

c) Expediting approvals.

· Responsible for end-to-end BCA process including preparing all the tools like Scorecard, MFA etc, in-depth analysis of various risks/litigants and ensuring fast credit approval.

· Liaise with Credit /GAM /FAM on BCA and other credit issues and ensure quick turnaround on queries.

· Ensure compliance of all internal and regulatory credit/other portfolio related policies.

· Evaluate the environmental and social risks.

· Work with RM to calculate and monitor overall RoRWA at account level.

· Coordinate and prepare for credit discussion meetings with local or group approvers.

· Liaise with GAM Credit for limit approval / allocation.

· Market, industry & client research (company Searches, annual statements, credit rating, etc).

· Reference check / market check - buyers, suppliers, competitors & lenders & to be documented by way of call report / file note.

· Legal & compliance liaising and preparing term sheets for lending products.

• Post Deal Account monitoring

· Monitor quality of the portfolio by tracking weekly excess / past dues and strictly complying with ASTAR / EAR process.

· Ensure timely submission of quality PBOC Quarterly Credit Reports.

· Monitor risk triggers, covenants and other credit conditions and report appropriately.

· Ensure zero BCA overdue.

· Work with RM and ARM to ensure the proper maintenance of credit files and ensuring audit readiness at any time.

· Work with RM and ARM to follow up audit issues.

· Attend EAR / ASTAR calls along with the RMs.

· In partnership with the RM, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines.

· Preparing the Initial Downgrade Report (IDR) for transferring accounts to GSAM.

• Others

· Prepare timely stress tests wherever required

· Prepare specific industry study

· Prepare credit opinion reports wherever required.

· Effective use of Creditmate

• Adhoc projects, duties, assignment

· From time to time, due to exigencies of service, you may be required to take on additional duties, projects or assignments as determined by your supervisor.

Selection Criteria:

？ University degree in Finance or related discipline is preferred.

？ Adaptation and package of financial solutions

？ Strict adherence to compliance requirement

？ Fluent English verbal and written communication skills, native in Mandarin.

？ Proficient in office software, e.g. Word, Excel and Power Point.

？ Good at using Internet and other network application software.

？ Good communication skills and teamwork spirit.

？ Preferable if candidate has experience in big 4 or banking industry.

  
  渣打是一家领先的国际银行集团，业务网络遍及全球59个最有活力的市场，为来自142个市场的客户提供服务。渣打网络与“一带一路”沿线市场的重合度超过75%。渣打的使命是利用独特的多样性促进商业繁荣和增进人类福祉。渣打的文化传承和企业价值都在品牌承诺-- “一心做好，始终如一（here for good）”中得到充分体现。
  
  渣打集团有限公司在伦敦及香港的交易所上市。
  
  作为扎根中国历史最悠久的国际性银行之一，渣打从1858年在上海设立***分行开始，在华业务从未间断。2007年4月，渣打银行（中国）有限公司成为第一批本地法人化的国际银行。目前，渣打中国的营业网点已覆盖近30个沿海和内陆城市，充分显示了渣打对中国市场的长远承诺。
  
  2021年，渣打银行赢得来自政府、行业机构和媒体颁发的诸多奖项和荣誉，包括： “一带一路”绿色投资原则能力建设领袖奖、广东省金融创新奖三等奖、债券通优秀做市商、CIPS跨境支付结算卓越参与者、《澎湃》年度外资银行、《华尔街见闻》年度卓越外资银行、《彭博商业周刊》年度银行卓越大奖、《21世纪经济报道》卓越大湾区银行、《金融界》杰出风险控制管理奖、《经济观察报》年度卓越零售银行、《界面》年度臻善企业、财富管理获《证券时报》ESG实践天玑奖、《贸易金融》***供应链金融银行、《亚洲银行家》中国***顾客忠诚度项目/应用奖、The Assets***交易银行、***流动资金管理银行、“国际金融论坛”全球绿色金融创新奖、“中国企业社会责任国际论坛”金蜜蜂企业、智联招聘中国年度优选雇主等。