Senior Credit Advisory and Credit Structuring Specialist

Job description

The position of Senior Credit Advisory and Credit Structuring Specialist involves managing structured credit transactions from origination through to settlement.

Tasks

The main tasks include:

• Complex or non-standard credit transactions:
  • Management, design, and structuring of solutions for complex or non-standard credit transactions
  • Establishing and maintaining strong internal relationships with various stakeholders to increase the volume of loans
  • Advising and guiding credit risk managers on credit transactions, as well as leading discussions with the credit risk review team regarding assessment and approval
  • Assisting credit risk managers with customer inquiries and visits when discussing credit terms
  • Preparing credit memoranda, including presenting transactions to credit committees to obtain the necessary approval
  • Discuss, negotiate, and review loan terms with the credit and legal teams to ensure that the terms and conditions are accurately reflected in the financial documents
• Credit-related product management:
  • Responsibility for achieving KPIs in the Structured Credit division in Hong Kong
  • Engage with and consult credit risk managers and market group/business unit heads to proactively identify credit-related business opportunities
  • Assuming leadership and ownership of the development of new credit-related product initiatives
  • Worked closely with the Regional Business Manager to develop and oversee the credit product strategy for the Hong Kong branch
• Loan process:
  • Ensuring compliance with credit and control procedures and adherence to risk tolerance guidelines
  • Ability to identify and implement solutions for the processing of credit transactions
  • Assisting credit risk managers with questions related to credit transactions
  • Assistance with reporting and monitoring covenants for certain key transactions
  • Participation in interactions between the origination team, the credit team, and other stakeholders regarding credit-related initiatives
  • Contributing to the development of tools and processes that lead to greater efficiency in the credit value chain

Requirements

• A degree in business administration, finance, or a related field
• Relevant professional certifications are a plus
• More than 10 years of experience in credit management at a private bank or a commercial/investment bank

Preferred skills

• Expertise in structured credit, including individual equities, illiquid assets, and mortgages
• Knowledge of financial services products and local regulatory requirements
• Experience with investing in other asset classes
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