Our client, a city-based International Bank is currently seeking to hire a Senior Credit Analyst for their Commercial Real Estate team. This is a senior level Credit Risk role requiring In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and client types as well as Business and economy related know-how, and excellent financial analysis, projection and stress test skills. Principal Purpose of the role : Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews etc. Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank’s credit policies, regarding the acceptability of particular business deals from a credit perspective whilst simultaneously maintaining an independent and objective view within the credit process. Effectively monitoring, identifying and reasonably measuring credit risk within the Bank’s asset portfolio. Reporting Relationship: The Credit Risk Department is in charge of the Credit Approval and Credit Management functions. This role will report to the Deputy Head/Manager in Credit Risk Department who is in charge of the credit approval work in the Commercial Real Estate team. Main Responsibilities & Accountabilities: Complete credit evaluation report which provides overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigation if any as well as credit recommendation (including suggested credit enhancement as well as management conditions). Assisting with the implementation of credit risk appetite, credit policies and procedures and management processes once they are established. Make sure the credit transactions are compliant with credit policies. This position mainly focuses on Commercial Real Estate business and may also cover some other sector’s credit business based on the types of proposal from the front office. Provide effective challenges as well as guidance to the proposals from Front Office; Draft and present credit opinions to Credit Committee, by maintaining an objective and independent view within the credit process, in accordance with the Bank’s credit policies. Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives. Provide the Head of Credit Risk Department and Deputy General Manager (Credit) as well as credit committee with the professional risk analysis and appropriate risk mitigation measure in a timely manner. Conduct post lending management work including but not limited to: 1) Monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained. 2) Monitor the financial performance of the borrower regularly associated with market and industry dynamics. 3) Monitor the conditions subsequent and ensure all conditions are met at any time through the loan life. Perform credit review and research of industry / customer-related information for all new proposals and (on at least an annual basis) for existing customers. Proactively monitor industry and sector trends as well as counterparty risks for early warning signals. Other functions and tasks as maybe required to assist the Head/Deputy Head of Credit Risk. Skills Required : 1) Possesses a minimum of 5-10 years' work experience in Commercial Real Estate credit review area. 2) In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and client types. Business and economy related know-how, and excellent financial analysis, projection and stress test skills. 3) Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude. 4) Collaborative personality and ability to complete tasks independently.