Senior Officer, Credit Approval (Mortgage Loan)

Mandatory Reference Checking Scheme (“MRC”) for Hong Kong

The Mandatory Reference Checking Scheme is a framework to facilitate Authorized Institutions (“AIs”) to bilaterally obtain reference information during their recruitment process for certain positions, such that misconduct information in an individual’s previous employments can be provided to AIs to inform their employment decisions.

For information related to MRC Scheme, “Frequently Asked Questions for In Scope Individuals” is published by HKAB/Industry Guidelines (https://www.hkab.org.hk/en/home) or further information will be available upon request, if it is applicable to the position(s) applied.

Country of Location:

China Hong Kong

Job Responsibilities:

• Evaluate and process credit applications according to Bank’s credit policies and lending guidelines;
• Responsible for review, approve and make recommendation on retail loan applications;
• Liaise with related parties in ensuring the exercise of prudent credit evaluation and timely assessment of all loan applications;
• Provide support in conducting regular credit review and external customer contacts;
• Assist team head to update application / approval procedures and guidelines for retail products;
• Review and streamline the approval process;
• Co-ordinate and arrange administration tasks and ensure the deliverable.

Requirements:

• Secondary education or above;

• Minimum 3 years credit experience in retail lending;

• Good analytical and communication skills;

• Self motivated and ability to work under pressure;

• Proficient in Microsoft Excel, Word, PowerPoint and Chinese word processing;

• Good command of written and spoken English and Chinese (including Putonghua).