Citi HK - GCB O&T - Senior Credit Approval Officer, CitiBusiness in Hong Kong

  • Primary Location: HK,Hong Kong,Hong Kong

  • Education: Bachelor's Degree

  • Job Function: Operations Credit Ops

  • Schedule: Full-time

  • Shift: Day Job

  • Employee Status: Regular

  • Travel Time: No

  • Job ID: 17068462


To provide BAU support services to internal clients and perform various aspects of credit process effectively and efficiently; as well as to sustain adequate credit approval and processing capacity for handling CI-CitiBusiness commercial lending products for customers in Retail SME segment managed under GCB.


  • Support processing and credit approval functions for corporate customers with adequate control and within the established processing turnaround time as well as meeting productivity benchmark

  • Perform credit activities (incl. financial spreading, credit risk analysis, credit proposal write up and credit underwriting for new application/line maintenance/annual review) for corporate customers, particularly in trade financing

  • Review application and loan documents for loan fulfillment

  • Render support on quality check to ensure compliance with the regulatory requirement, prevailing policy and procedure

  • Support development of work flows and procedures to enhance the credit underwriting and post-approval processes

  • Provide adequate and administrative support in handling TID/HKMC-SME Financing Guarantee Scheme “SFGS” applications and related work

  • Prepare regular and specific MIS/credit management reports for Department Head and management review

  • Ensure the accuracy and efficiency of the team for handling credit related monitoring and control or management reporting

  • Assist in managing credit projects and initiatives


  • University graduate with minimum 5 years of experience in commercial lending related area

  • Good accounting and financial analysis skills

  • Proven credit analysis experience in corporate client segment with in depth knowledge in trade finance and structured credit

  • Good knowledge of end-to-end credit process and various functions for commercial lending

  • Proficient in Excel Spreadsheet and excellent skills in financial and credit risk analysis on corporate account

  • Ability to work independently and under pressure

  • Capable to handle and prioritize multiple tasks with tight timeline

  • Willing to work overtime and shift duty

  • Possesses decision making and problem solving techniques

  • Good PC knowledge in Microsoft Word, Excel, etc.

  • Team player with excellent interpersonal skills

  • Good command of both spoken and written English and Chinese