Underwriting Specialist is assigned to handle credit underwriting’ s following works / functions and must displays in depth credit knowledge, skills, experience with balanced & independence credit judgment to support corporate businesses to achieve its designed business targets with good credit quality for both existing customers and newly procured customers:
To make balanced credit decision as per the delegated approval authorities (DOA) or to underwrite credit proposals (make credit recommendation) for higher credit approval authorities;
To manage responsible credit works for designated clients with acceptable underwriting work quality & efficiency including individual turnaround time and cost effectiveness;
To balance risk / return, credit quality and productivity to achieve the department’s designated targets for good quality loan portfolio, effective credit & cost control, turnaround times & customer service;
To help the team to maintain quality of existing and new customer credit bookings through pro active & regular monitoring (early warning & NPL prevention exercise);
To understand laws, regulations, credit governance, policies , group business strategies, management initiatives and credit approval process to ensure compliance with internal / external policies and regulations in order to provide timely & good decision making;
To review/monitor his or her own performance comparing with agreed KPI and discuss such results with Team Head for revision and/or improvement from time to time; and
To support senior team members to develop, maintain assigned credit underwriting guidelines and/or supplementary credit policies or other credit related works such as product development, credit approval process, standard covenants etc. to be in line with the bank’s business & credit strategy and underwriting standard & practice.
Qualifications:
Bachelor’s degree in Finance, Accounting, Economics , Business Administration or other related fields.
Minimum 3 years’ experience in Underwriting, Debt Restructuring and / or Front office experience in banking or finance institutions.
Independent & sound decision maker, energetic and self driven, being able to work to a high standard under pressure and willing to learn attitude.
Strong credit and analytical skills with established experience in various industries, banking products.
Good Communication, Negotiation, and Presentation skills
Good command of Spoken & Written English
Skills
Underwriting
Debt Restructuring
Finance + Accounting
Functions
Accounting & Finance
Job Overview
Job Type:
Full-Time
Company
TTB
205 active jobs
Industry:
Banking & Finance
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