Senior Credit Analyst

Be responsible for conducting comprehensive credit risk assessments for margin loan, SME loan, and corporate loan applications, including: Assessment/analysis of borrower status, financial ability. Assessment of the feasibility and legality of the loan plan/loan repayment plan of the customer. Analyze financial statements, industry trends, and economic conditions to evaluate borrower creditworthiness and potential risk factors. Appraisal of the legality and safety of collateral to secure the loans. Field investigation, appraisal of collateral and source of loan repayment of customers. Recommending loan structures with appropriate collateral requirements and risk-adjusted pricing strategies. Preparing a appraisal report, assessment of arising risks (if any) and make proposals before granting credit to customer. Comply with the requirements for the time and quality of case processing.
Assessment/analysis of borrower status, financial ability.
Assessment of the feasibility and legality of the loan plan/loan repayment plan of the customer.
Analyze financial statements, industry trends, and economic conditions to evaluate borrower creditworthiness and potential risk factors.
Appraisal of the legality and safety of collateral to secure the loans.
Field investigation, appraisal of collateral and source of loan repayment of customers.
Recommending loan structures with appropriate collateral requirements and risk-adjusted pricing strategies.
Preparing a appraisal report, assessment of arising risks (if any) and make proposals before granting credit to customer.
Comply with the requirements for the time and quality of case processing.
Strictly comply with the Company's credit extension process and regulations and make weekly and monthly reports.
Monitor existing loan portfolios for signs of potential default and take proactive steps to mitigate risks.
Stay up-to-date on regulatory changes related to margin loans, SME loans, and corporate loans.
Work closely with the compliance department to ensure adherence to all relevant regulations.

Education level, certification: Bachelor's degree in Finance, Banking, Risk Management, or a related field (FRM or CFA designation preferred) Strong analytical skills with proficiency in financial modeling and financial statement analysis.
Bachelor's degree in Finance, Banking, Risk Management, or a related field (FRM or CFA designation preferred)
Strong analytical skills with proficiency in financial modeling and financial statement analysis.
Experience and ability: Minimum of 4+ years of experience in commercial credit appraisal (including corporate loans), risk management, credit analysis, or a related field within the financial services industry. Understand the regulations/credit extension process in credit institutions. Ability to participate in the development of credit regulations/processes. Ability to work independently and manage multiple priorities in a fast-paced environment. Ability to grasp legal issues. General understanding of the system of legal documents related to credit and financial operations. Ability to withstand work pressure.
Minimum of 4+ years of experience in commercial credit appraisal (including corporate loans), risk management, credit analysis, or a related field within the financial services industry.
Understand the regulations/credit extension process in credit institutions. Ability to participate in the development of credit regulations/processes.
Ability to work independently and manage multiple priorities in a fast-paced environment.
Ability to grasp legal issues. General understanding of the system of legal documents related to credit and financial operations.
Ability to withstand work pressure.
Individual Characteristics: Strong interpersonal and teamwork skills with the ability to collaborate effectively with diverse departments. High teamwork spirit. Ability to work under high pressure and standalone base.
Strong interpersonal and teamwork skills with the ability to collaborate effectively with diverse departments.
High teamwork spirit.
Ability to work under high pressure and standalone base.