We are seeking an experienced and detail-oriented SME Credit Approval Manager to support our client's credit risk function within the SME lending sector. This role plays a critical part in evaluating, analysing and approving credit applications submitted by small and medium-sized enterprises (SMEs). The successful candidate will ensure all credit assessments are conducted accurately and in line with internal credit policies and regulatory requirements.
Key responsibilities include:
- Assessing and approving SME credit proposals in accordance with credit policies and risk appetite.
- Conducting in-depth financial analysis of SME applicants, including cash flow forecasts, balance sheet assessments and industry risk evaluation.
- Liaising closely with relationship managers and credit analysts to ensure comprehensive documentation and understanding of client risk profiles.
- Recommending appropriate credit structures and ensuring all facility terms align with risk mitigation strategies.
- Monitoring portfolio performance and contributing to early-warning analysis of potential problem exposures.
- Keeping abreast of industry developments, regulatory updates and economic trends affecting SME credit risk.
Requirements:
- Bachelor’s degree in Finance, Accounting, Economics or a related discipline; professional qualifications (e.g. ACCA, CPA, CFA) are advantageous.
- Minimum 5 years of credit approval or credit risk experience in a banking or financial institution, particularly dealing with SME clients.
- Strong interpersonal and communication skills, capable of articulating credit opinions clearly to both internal and external stakeholders.
- Proficient in interpreting financial statements and conducting credit analysis.
- Sound knowledge of credit risk management frameworks, regulatory requirements, and credit approval processes.
- Detail-oriented with a strong sense of responsibility and integrity.
- Ability to work independently under pressure and meet tight deadlines.
- Fluency in written and spoken English; Cantonese or Mandarin is a plus.
This position offers a unique opportunity to contribute to the growth of the SME sector in Hong Kong through prudent and effective credit decision-making. If you are passionate about risk management and have a solid grounding in SME lending, we encourage you to apply and help shape a resilient lending environment.
