Our credit jobs are all listed within this sector. Credit job titles are usually "credit risk managers," "credit analysts" or "credit officers," but some banks use a seniority level followed by credit - e.g., "vice president, credit." No matter the title, throughout the course of a credit career, these professionals review credit applications from the bank's clients (usually companies that wish to borrow money) or from other financial institutions who are the firm's counterparties.
Jobs listed here also include credit risk. This is the risk of loss of principal funds if a borrower defaults on loan repayment. Risk is incurred when a person or company plans to use future income to pay a current debt. Credit risk analysts and professionals aim to minimize risk by creating credit proposals and reviews, which supply businesses with impartial assessments on the financial situation of potential and current borrowers.
Credit analysts work with the lending team to make sure that credit proposals or extensions are approved or declined in compliance with the firm's own credit policies alongside local regulations. Most lenders use internal models, called credit scorecards, to judge potential and existing customers according to risk. Various different components such as operating experience, management expertise, asset quality and leverage and liquidity ratios are considered when composing these models.
The goal of a credit professional is to maintain high credit quality through the careful structuring, sanctioning, monitoring and control of credit applications in accordance with credit standards. Credit analysts are also required to keep track of clients whose credit portfolios require careful checking. That way, any deterioration in credit will be quickly detected and the overall risk lowered.
Credit professionals, particularly ones that stand higher within the business, must work closely with the business and understand their overall portfolio and risk capabilities. They should keep current on financial analysis and risk profiles of assigned sectors, borrowers and counterparties throughout credit careers. They must handle the difficulty of balancing the goals of sales staff to expand the business with their own responsibilities to lend carefully and make financially sound credit decisions.
Different types of transactions carry different credit risk issues, including within corporate banking, project finance, structured trade and syndications. Many other firms besides banks recruit credit professionals as well. For instance, private equity firms hire them to manage the credit risk of counterparties and investment-related service providers.
Credit jobs can be very specific. Some positions may work only on counterparty risk. These involve due diligence visits to financial institutions to gather credit information. They then analyze these financial records with excel spreadsheets, providing the bank with a current, realistic estimation of future operating performance.
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| CREDIT RISK APPROVER – SME | Hays Banking Hong Kong Competitive Base plus Discretionary Bonu... | Hong Kong SAR | 22 May 12 |
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APPROVE SME LENDING IN A LEADING GLOBAL BANK
| Associate Director- Credit Research (Ref. no: AD-CR/DK220512) | Charterhouse Partnership Excellent | Hong Kong SAR | 22 May 12 |
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• Tier 1 Global Financial Institution • Opportunity to advice and work closely with CIO's • Autonomous role ...
| Structured Credit Transaction Manager | UBS AG Competitive | Hong Kong SAR | 22 May 12 |
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An exciting opportunity has arisen to join UBS as a Structured Credit Transaction Manager
| Structured Credit Transaction Manager – Executive Director – Wealth Management | Barclay Simpson Excellent for the right candidate | Hong Kong SAR | 22 May 12 |
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My client, a leading global financial institution is looking for a seasoned credit specialist to join its Weal...
| Credit Risk Approver - SME | Michael Page International Attractive Salary | Hong Kong SAR | 22 May 12 |
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AVP to VP level role for a Global Banking Group.
| SENIOR CREDIT ANALYST | SLOANE MANHATTAN Competitive Remuneration Package | Hong Kong SAR | 22 May 12 |
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A leading International Bank invites experienced Credit Manager to join the Bank. The incumbent conducts cred...
| Bond Sales | HONG KONG | Asia | | Selby Jennings FIFX HKD:Highly Competitive Package | Hong Kong SAR | 21 May 12 |
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Asia Bond Sales - Hong Kong, Asia. HKDSalary: Highly Competitive. (Credit, Corporate Bonds, Fixed Income)
| CREDIT APPROVAL MANAGER – MNCs & LARGE CORPORATES | Hays Banking Hong Kong Competitive Salary | Hong Kong SAR | 21 May 12 |
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CREDIT APPROVAL FOR GLOBAL CORPORATIONS
| CREDIT RISK SPECIALIST – CORPORATE AND/OR FI (5 years exp.) | Hays Banking Hong Kong HKD$50-75K plus bonus | Hong Kong SAR | 21 May 12 |
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CORPORATE AND FI COUNTERPARTY CREDIT RISK
| STRUCTURED TRADE FINANCE – CORPORATE BANKING | Hays Banking Hong Kong Competitive plus Bonus | Hong Kong SAR | 21 May 12 |
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DELIVER STRUCTURED TRADE FINANCE SOLUTIONS TO ASIAN CORPORATES PURCHASING FROM FOREIGN CORPORATES
| CREDIT RISK ANALYST – BLUE CHIPS/RED CHIPS | Hays Banking Hong Kong Competitive | Hong Kong SAR | 21 May 12 |
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CREDIT ANALYSIS IN CREDIT RISK MANAGEMENT DEPARTMENT
| Credit Structuring Specialist, Global Wealth Management | Bank of America Merrill Lynch Competitive | Hong Kong SAR | 21 May 12 |
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OverviewBank of America is one of the world's largest financial institutions, serving individual consumers, sm...
| Head of Marketing, Credit Card and Unsecured Loan | Kelly Services Hong Kong Negotiable | Hong Kong SAR | 21 May 12 |
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Our client, a reputable Chinese bank, is seeking Head of Marketing for their Credit Card and Unsecured Loan bu...
| Vice President / Senior Analyst - Project and Infrastructure Finance Group | Advantage Professional Hong Kong Competitive | Hong Kong SAR | 20 May 12 |
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The senior analyst will provide lead coverage of a ratings portfolio for the utilities and infrastructure fran...
| Vice President, International Product Manager, Commercial Banking | JPMorgan Chase not disclosed | Hong Kong SAR | 19 May 12 |
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See job description below
| Senior/Credit Risk Analyst | Randstad Hong Kong Attractive Compensation | Hong Kong SAR | 18 May 12 |
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Our client is an International bank; they are looking for a Senior/Credit Risk Analyst in their Corporate and ...
| Deputy Head of Risk Management (Private Equity) | Global Associates Negotiable | Hong Kong SAR | 18 May 12 |
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To manage the risk function of the private equity business
| Asia Pacific Credit Analyst | MetLife Limited Competitive | Hong Kong SAR | 14 May 12 |
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We are seeking a dynamic individual to join our company as an ASIA PACIFIC CREDIT ANALYST who will be reportin...
| Asia Pacific Credit Analyst | MetLife Limited Negotiate later | Hong Kong SAR | 14 May 12 |
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Conduct fundamental research, provide timely analysis of new corporate credits and other credit products (e.g....
| Senior Manager, Credit | Standard Chartered Bank NA | Hong Kong SAR | 11 May 12 |
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| Senior Relationship Banker (ref: 00063777) | The Royal Bank of Scotland PLC Competitive | Hong Kong SAR | 10 May 12 |
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We are seeking a dynamic individual to join us as a Senior Relationship Banker, based in Hong Kong to work for...
| VP - Credit Risk | Links Recruitment Limited Negotiable | Hong Kong SAR | 04 May 12 |
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Exciting opportunity for an experienced Credit Risk professional within a global investment bank. This positio...
| Associate Director / Director, Local Corporates, Wholesale Bank | Standard Chartered Bank NA | Hong Kong SAR | 03 May 12 |
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We are looking for a/an Director/Associate Director with our Local Corporates portfolio to provide pro-active ...
| Director, (Senior Relationship Manager), Corporate & I | Standard Chartered Bank NA | Hong Kong SAR | 03 May 12 |
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We are inviting application for the post of Director (Senior Relationship Manager) to provide proactive senior...
| VP/SVP - Relationship Manager or Specialist | MRI Worldwide HK Ltd 30 - 80K | Hong Kong SAR | 02 May 12 |
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Our clients are recruiting an experienced, high caliber professional to join the Commercial Banking Division a...
| Senior Credit Analyst | SearchAsia Hong Kong negotiable | Hong Kong SAR | 02 May 12 |
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Our client is a well-established foreign corporate banking with strong presense in Asia. They are now looking ...
| Credit Review Officer | SearchAsia Hong Kong Open | Hong Kong SAR | 25 Apr 12 |
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My client, one of well-established banks from Korea, is currently looking for a Credit Review Officer as follo...