Credit Risk Manager - Chinese Speaking - International Bank in City of London

Excellent opportunity opens for a skilled Credit Risk Manager to join an International Bank in a crucial role. You will take ownership of the bank's credit risk governance framework, drive high quality portfolio monitoring and also act as the Secretary to the Credit Committee.

Key Responsibilities

• Credit Committee Secretariat
  • Coordinate and manage all Credit Committee meetings, including scheduling, agenda preparation, and distribution of papers.
  • Record accurate and comprehensive meeting minutes for monthly BCC meetings, capturing decisions, conditions, and required follow‑up actions.
  • Track and monitor action items, ensuring timely completion and escalation where necessary.
  • Maintain the Committee’s governance records in line with internal policies and regulatory expectations.
• Credit Portfolio Monitoring & MI
  • Compile, analyse, and present portfolio‑level credit risk MI, including exposures, concentrations, trends, and early warning indicators.
  • Produce regular credit risk dashboards and reports for senior management, the Credit Committee, and the Risk Committee.
  • Monitor credit quality metrics such as arrears, covenant compliance, rating migrations, and sectoral risk indicators.
  • Work with Credit Risk team to report on identified emerging risks and recommend appropriate mitigation actions.
• Oversight of Credit Risk Processes (2LoD)
  • Monitor compliance with the bank’s credit risk policies, procedures, and approval authorities.
  • Work with Credit Risk team to conduct periodic checks on Credit Risk team’s adherence to internal processes, including rating reviews, credit application compliance, credit analysis standards, and documentation quality.
  • Provide independent oversight on post‑loan monitoring activities, including annual reviews, financial analysis, covenant monitoring, and rating updates.
• Oversight of 1LoD Credit Activities
  • Monitor the quality and timeliness of credit applications submitted by the business.
  • Ensure 1LoD completes required post‑loan monitoring activities (e.g., annual reviews, financial updates, covenant checks) within required timelines.
  • Identify process gaps or recurring issues and work with 1LoD to strengthen controls and improve data quality.
  • Provide training or guidance to 1LoD teams on credit policy requirements where necessary.
• Data Quality & Systems Oversight
  • Conduct regular data quality checks on credit systems to ensure accuracy of key fields (ratings, limits, collateral, covenants, review dates, etc.).
  • Work with IT and Operations to resolve data issues and enhance system controls.
  • Support system enhancements, testing, and process improvements related to credit risk data and reporting.

Qualifications

• Educated to a university degree and/or appropriate professional qualification level.
• Strong understanding of credit risk principles, credit analysis, and risk management frameworks.
• Excellent communication skills in English and Mandarin, both written and verbal are mandatory.
• Experience in a banking or financial services credit risk function, at least 3 years work experience in the UK.
• Excellent analytical skills with the ability to interpret complex data and produce clear MI.
• Strong organisational skills and attention to detail, particularly in committee governance and minute‑taking.
• Ability to challenge constructively and maintain independence as part of the second line of defence.
• Proficiency in credit risk systems, data tools, and Microsoft Office (especially Excel and PowerPoint).
• Strong communication skills, both written and verbal.

Interested? Please Apply!