Citi HK - GCB O&T - Senior Credit Approval Officer (Secured Products) in Hong Kong

  • Primary Location: Hong Kong SAR of PRC,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: 18011872


  • Perform credit processing and credit underwriting for Mortgage / Margin Securities Backed Finance (MSBF) / other secured lending application

  • Render support on quality check to ensure compliance with the regulatory requirements

  • Support end-to-end application processing to cope with the business growth

  • Monitor turnaround time (TAT) of applications within SLA commitment

  • Exercise credit judgment in evaluating applications relating to both personal and commercial credit facilities/loan products in compliance with the established policy guidelines as well as operating procedures and capable of striking a balance between risk and reward

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

  • Perform various credit control and monitoring functions

  • Perform ad hoc duties as assigned


  • University graduate with 5 years' working experience in consumer credit business, preferably credit underwriting for mortgage or other secured lending application

  • Good accounting and financial analysis skills

  • Strong sense of compliance awareness

  • Proven credit analysis experience gained from a financial institution with in depth knowledge and structured credit

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

  • Self-initiative & able to work independently and under pressure

  • Willing to work overtime and shift duty

  • Possesses decision making and problem solving techniques

  • Good communication skills. Good command of both spoken and written English and Chinese

  • Team player with strong interpersonal skills