Credit Risk Analyst

Summary: This position is a full-time position. The Associate position supports the Relationship Managers and other Risk management team members to promote banking products and services to Financial Institutions clients. This position sits as the 1st Line of Defense (1st LoD) in owning and managing risk as 1st LoD by-products and risk categories.

• Assist to establish business relationships and promote bank products and services to prospective clients based on the client’s needs and potential business opportunities;
• Evaluate transactions and negotiate transaction terms with banking partners and/or prospective clients.
• Complete due diligence and credit investigation on clients:
• Perform the initial due diligence analysis and prepare the Know Your Customer (KYC) reports, CMS and Actimize operations.
• Assist to prepare credit rating and credit line application
• Assist credit and financial analysis and prepare credit application reports
• Monitor the entire credit application and approval process to ensure to adhere the timeline.
• Assist with closing process, including but not limited to preparing facility information sheet, funding arrangement by coordination with Treasury Department, GCMS operations, and ensure timely closing.
• Align strategic, capital and financial plans to risk management goals;
• Identify any loan deterioration and work with credit departments to proactively adjust credit ratings and/or asset classification accordingly;

• Bachelor’s degree in economics, mathematics, finance, business or related majors.
• 1+ year related experience preferred, and experience of credit analysis or client-facing in banking or non-banking financial institutions a plus.

• Strong attention to detail with great time management skills
• Must be an enthusiastic, positive great team player and self-starter
• Able to work in a fast-paced environment and handle multiple tasks concurrently
• Flexible to handle new responsibilities
• Excellent business communication and writing skills
• Strong analytical skills in financial statement and credit
• Must be proficient in Microsoft office, strong excel skill a plus
• Bilingual in English and Chinese is a plus