Trainee- Credit Analysis 信贷分析培训生（2年）

该职位来源于猎聘 Main Responsibilities Credit analysis

• Conduct credit analysis for corporate counterparts by preparing concise, critical and well-argued credit proposals on new request and renewals of credit facilities.
• Evaluate and make recommendation on credit limits requested from coverage team and business lines based on bank’s risk appetite and client’s credit profile.
• Conduct regular and timely annual reviews and credit facility renewals.
• Review and assess client’s obligor rating at least annually, or as driven by special events and maintain valid ratings in the Bank’s rating tool.
• Continue to improve credit file productivity and processing efficiency and respond in timely manner to credit requests.
• Expedite and manage the credit approval process by liaising with relevant approvers and RISQ officers.
• Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients
• Back up and support other credit analysts.
• Assist in special projects or assignments as requested by team head.

Reporting

• Support for week deal flow generation, annual review tracking and monitoring, credit volume statistics and portfolio analytics. Also act as a back-up support to our data analyst within CPM.
• Assist other credit analysts to monitor credit exposure/overshoots, concentration risk, financial covenants and credit conditions; verify data and support reporting requirements related to these areas.

Profile

• Degree in relevant discipline from a recognized university (MBA or other professional qualifications such as CFA or CPA , FRM or equivalent is preferred)
• Previous experience in a role of credit risk analysis or assistant corporate relationship manager is a plus
• Solid accounting, corporate finance, and credit analysis skills
• Strong problem-solving ability with analytical thinking
• Good knowledge in data analytics and related field
• Quick learner and ability to multi-task
• Attention to detail and ability to self-check
• Basic knowledge of different bank products, particularly commercial banking/transaction banking products, treasury products
• Basic knowledge of regulatory and business environment in Greater China
• Well versed in MS Office applications (Word, Excel, VBA, Microsoft Access, PowerPoint, Copilot is a must)
• Good communication skills.  Fluent English and Mandarin Chinese language skills (both speaking and writing) are mandatory to facilitate transactions with Chinese speaking clients. French language skill is a plus.

To onboard in December 2026.