青岛招聘

Job Description

• 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 Credit Coverage Manager (CCM) on a specified portfolio and facilitate revenue growth in the portfolio.

Key Roles & Responsibilities

Origination

• Interact with the credit, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with RM and partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scordcard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
• Liaise with Credit /GAM/RAM/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 e.g. preparing the Country Portfolio Standard checklist, Temasek check, other special reporting requirements, etc.
• Evaluate the environmental and social risks for the client using the Environmental and Social Risk Assessment Tool(ESRAT)
• Work with RM to calculate and monitor overall RoRWA at account level.
• Liaise with GAM Credit for limit approval /allocation.
• 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 risk triggers, covenants and other credit conditions and report appropriately.
• Ensure zero BCA over dues.
• Work with RM and CCM to ensure the proper maintenance of credit files and ensuring audit readiness at any time.
• Work with RM and CCM to follow up audit issues.
• In partnership with RM, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines.
• Prepare specific industry study
• Prepare credit opinion reports wherever required.
• Effective use of Creditmate & CRM

Portfolio Management

• Prepare monthly revenue report according to the required parameters.
• Prepare quarterly portfolio review on the FIE FAM & GAM portfolio.
• Work with RMs / Heads on KPI preparation.

Qualifications & Skills

• Minimum University degree; with solid relevant business/finance/accounting training; MBA or overseas education ,CFA chart considered as a plus.
• Minimum 4 years of solid experience with foreign banks , local banks, multinational or large local corporate.
• In-depth credit appraisal and financial analysis skills; good research abilities;
• Good communication skills &excellent teamwork spirit;
• Good learning attitude/capacity/, willing to work hard and under pressure ,and keen to grow;
• Excellent command of English & Chinese, knowledge of Cantonese considered as a plus.

  
  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。