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Posted on 2023-05-24
Assistant Vice President, Control & Credit Policy (Retail Finance and Credit Card Department)
Job MatcherJob Highlights
- Degree Holder
- Minimum 5 years' experience
- Formulate, review and update the credit policies
Responsibilities
- Formulate, review and update the bank-wide credit policies, procedure and guidelines in line with statutory and regulatory requirements as well as the Group’s standard
- Work with the Bank’s risk, operational and frontline departments to execute proper credit risk management of retail loan products
- Perform comprehensive portfolio review for credit policies formulation and risk acceptance criteria setting for retail loan products
- Ensure the standards and quality of the credit assessments prepared by credit underwriter are adhered to the Bank’s credit policies and regulatory requirements
- Assess credit proposals within his authority delegated in accordance with the Bank’s credit policies and regulatory requirements
- Ensure proper credit risk mitigation measures are in place and will be duly executed
- Monitor the implementation of rectifications and enhancement measures related to credit risk management
- Compile management reports on risk management and compliance related area
- Review gap analysis in relation to the latest regulatory requirements
- Provide review and assessment in new product/ product change
Requirements:
- Degree holder, preferably in Business, Finance, Accounting or other relevant disciplines
- Minimum 5 years’ relevant banking experience
- Qualification in ECF is preferred
- Good knowledge in credit risk management and credit analysis relating to retail and private banking products, such as mortgage loan, insurance policy financing, funds, structure products and etc
- Good writing skills and people management skills
- Strong self-motivation with good business sense, risk management and interpersonal skills
- Proficient in both English and Chinese; fluency in Putonghua is an advantage
We offer successful candidates an attractive remuneration package. For candidates who are willing to take up the challenge and build a bright career with us, Please forward your resume with a cover letter by fax or e-mail
The data collected would be used for recruitment purpose only. Applicants who are not invited for interview within six weeks may consider their applications unsuccessful.
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Company Overview
CMB Wing Lung Bank (formerly known as Wing Lung Bank), founded in 1933, is among the oldest local Chinese banks in Hong Kong. Following its motto of “Progress with prudence, service with sincerity", the Bank has been evolving and contributing to the socio-economic development with great effort. Putting customers at the heart of the business, the Bank provides comprehensive banking services, including retail, private banking and wealth management, corporate finance, etc. Through its wholly owned subsidiaries, the Bank also provides asset management, insurance agency and general insurance services. At present, the Bank has over 30 branches and business outlets located in mainland China, Hong Kong, Macau and overseas respectively, including CMB Wing Lung Private Banking Centre in Hong Kong. The Bank has more than 2,000 employees.
China Merchants Bank Co., Ltd. (CMB), the parent company of CMB Wing Lung Bank, is China's first joint-stock commercial bank wholly owned by corporate legal entities. In 2008, CMB Wing Lung Bank was acquired by CMB. In 2021, CMB ranked 14th on the list of “Top 1,000 World Banks 2021" released by The Banker (UK). CMB also received the award of the “Best Bank in China" by Euromoney for 3 consecutive years, in addition, it was also awarded the “Best Wealth Management Bank in China" in a row at the ceremony organized by Asian Banker.
