Check if credit application is following credit policies, General Underwriting Standards & other related guidelines Check and ensure correctness of financial spreading in Bualuang metrics conducted by business unit Conduct Credit Risk Rating (CRR) and review Facility Risk Rating (FRR) given by the business unit Participate in customer visits jointly with the business unit upon request of business unit Check the compliance of financial covenants upon receiving borrowers' financial statement from business unit and report the non-compliance to Department Head Conduct due diligence checking for local beneficiaries/buyers/suppliers of credit customers Prepare industries analysis and portfolio analysis Assist Department Head in training and management work Assist Credit Manager in formulating credit risk policy to optimise the risk exposure of the bank  Supervise and provide guidance to junior staff Prepare departmental reports Requirements: Degree holder preferably in Finance and Accounting At least 8 years' experience in credit risk management and analysis, including 5 years at supervisory level Enhanced Competency Framework (ECF) on Credit Risk Management (CRM) qualification is preferred Strong financial and cash flow analysis skills Good analytical, problem-solving and analysis report-writing skills Strong knowledge of key credit risk indicators and economic factors impacting credit quality Self-motivated, good team player and able to follow tight deadlines Proficient in both spoken and written English and Chinese