Credit Management Analyst

Job Description

Job Description

Job Title : Credit Management Analyst, Credit Management

Job Description:

ICBC-USA maintains a highly diversified loan portfolio, including corporate, financial institutions, and commercial real estate. The incumbent is expected to play an important role in the overall quality surveillance of both the portfolio and credit adjudication process.

Reporting to the Deputy Head of Credit, the incumbent is tasked primarily with monitoring the quality of the Bank’s loan portfolio and adjudication. Expert knowledge of credit principles, loan system administration, regulatory requirements (e.g. leveraged lending) and industry trends is essential. Supervisory responsibilities may be assigned as required.

Responsibilities:

• Manage portfolio intelligence and credit related MIS (Bank’s proprietary system), including portfolio analysis and periodic reporting.
• Act as a secondary support on Bank system administration to effectively apply skills and knowledge to strengthen the loan systems operations and communicate with other core system teams by being proactive in recommending remediation actions to identify weakness in system design and operation.
• Conversant on the loan system and handle user inquiry and requests efficiently.
• Timeliness and accurateness in setting up and maintaining the required parameter and the user manual for the system and user operations.
• Actively manage the quality of credit underwriting through continuous monitoring/reviewing of loan activities, such as proposals, analysis and approval.
• Coordinate with Risk Management Dept. on certain CECL process (data upload, scenario run, etc.) as an ongoing basis for ACL Analysis.
• Conduct Stress Test and prepare various loan portfolio monitoring reports to detect early warning signs.
• Prepare, monitor, and report the emerging trend, warning signals and other key portfolio movements.
• Work with team members to prepare or serves as reviewer on various reports for portfolio monitoring and head office reporting.
• Manage credit related policies and procedures.
• Other requirements may arise as per the growth of the portfolio

Required Skills and Personal Attributes:

• Expert knowledge of credit products and lending principles.
• Strong knowledge of the loan system, reporting and banking operations.
• Strong analytical, critical thinking and problem-solving skills.
• Advanced knowledge in excel spreadsheet program.
• Strong interpersonal, team-work and communication skills
• Self-motivate, goal oriented, ability to multi-task and work under pressure.

Qualifications:

• Bachelor’s degree in Finance, Accounting or quantitative field. Graduate degree highly desired.
• 1-5 years of work experiences in the credit function in banks.
• Ability to independently develop robust statistical models and perform validation analyses
• Professional designations (e.g. CPA, CFA, FRM or equivalent) a plus.
• Fluency in Mandarin Chinese a plus.