Associate, Credit Risk - Wealth Management Credit Associate, Credit Risk - Wealth Management Credit …

DBS Bank Limited
in Hong Kong
Permanent, Full time
Be the first to apply
Competitive
DBS Bank Limited
in Hong Kong
Permanent, Full time
Be the first to apply
Competitive
Associate, Credit Risk - Wealth Management Credit
Business Function

Risk Management Group (RMG) is responsible for the development and maintenance of risk management and internal control frameworks. We provide independent review and challenge to business to ensure that appropriate balance is considered in risk/return decisions. In addition, RMG is responsible for the monitoring and reporting on key risk issues of the Bank. To manage risk effectively and deliver strong financial performance, we invest significantly in our people and infrastructure.

Responsibilities:


  • To review/ approve credit applications, transactional/exceptions and documentation requests within delegated approval authorities and ensure that they meet the group standards. All potential risks not limited to credit, legal, operational, regulatory and reputational risk are properly addressed and justified. Provide credit judgment/comment for obtaining approval from higher approval level if the proposed credit is outside the delegated lending authority

  • To work closely with various stakeholders, including but not limited to Legal, Compliance, COO office and Business for the review of credit application and preparation of credit documentation to support business development and to ensure that they meet the Bank's standards
  • To ensure that the quality of credit portfolio of Wealth Management Hong Kong is maintained within agreed risk appetite as well as assisting the company to achieve long term growth with acceptable returns
  • To streamline the credit process to improve efficiency and productivity while meeting Bank's credit policy and regulatory requirement
  • To prepare facility documentation to ensure they are in line with approval conditions and within the Bank's standard
  • To represent WM Credit to participate in regulatory reporting and process enhancement projects
  • To support business/product developments by providing feedback and information relating to credit and documentation risks of any new businesses

Requirements:


  • University graduate in Finance, Accountancy, Banking or other related disciplines

  • A minimum of 3 - 5 years relevant experience in private banking credit review. Experience in credit documentation preparation is preferred
  • Good knowledge of various wealth management products and the required documentation terms including property lending, universal life insurance policy financing and single stock financing
  • Strong analytical power, good problem-solving skills and ability to work under pressure
  • Ability to make reliable recommendations to management under tight timelines
  • Good verbal and writing communication skills and good interpersonal skills
  • High proficiency in spoken / written skills in both English and Chinese
  • Candidate with less experience can be considered at Analyst level

Apply Now

We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognizes your achievements

We regret only shortlisted candidates will be notified.
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