Credit Approval Officer (Unsecured Products)

  • Competitive
  • Hong Kong Hong Kong Hong Kong HK
  • Permanent, Full time
  • Morgan McKinley Hong Kong
  • 19 Sep 18 2018-09-19

Credit Approval Officer (Unsecured Products)

My Client, a Global Bank is looking to expand their Credit operations team.


  • Perform credit processing and credit underwriting for Unsecured Products (eg. Card, Unsecured Personal Loan)
  • Render support on quality check to ensure compliance with the regulatory requirements and credit policy
  • 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 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 management review
  • Perform various credit control and monitoring functions
  • Participate in system project implementation to achieve process automation and simplification and result in efficient operation
  • Perform ad hoc duties as assigned

  • University graduate with 3 years' working experience in consumer credit business, preferably credit underwriting for unsecured 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 Microsoft Excel and excellent skills in financial and credit risk analysis
  • Self-initiative and able to work independently and under pressure
  • Willing to work overtime
  • Possess 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