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HK - GCB O&T - Credit Approval Officer

Intermediate (3-6 years)


Technical Skills

  • Accountancy
  • Compliance
  • Credit Analysis
  • Credit Risk
  • Financial Analysis
  • Management Reporting
  • Microsoft Excel
  • Project Management
  • Underwriting

Job Description

HK - GCB O&T - Credit Approval Officer

Location: APAC-HKG-Hong Kong-Hong Kong

  • Perform credit processing and credit underwriting for Unsecured Products (eg. Card, UPL)
  • Render support on quality check to ensure compliance with the regulatory requirements and credit policy
  • Support end-to-end application processing to cope with the business growth
  • Monitor turnaround time (TAT) of applications within SLA commitment 
  • Exercise credit judgment in evaluating applications relating to both personal credit facilities/loan products in compliance with the established policy guidelines as well as operating procedures and capable of striking a balance between risk and reward
  • Prepare regular and specific MIS/credit management reports for management review
  • Perform various credit control and monitoring functions
  • Participate in system project implementation to achieve process automation and simplification and result in efficient operation
  • Perform ad hoc duties as assigned


  • University graduate with 3 years' working experience in consumer credit business, preferably credit underwriting for unsecured lending application
  • Good accounting and financial analysis skills
  • Strong sense of compliance awareness
  • Proven credit analysis experience gained from a financial institution with in depth knowledge and structured credit
  • Proficient in Microsoft Excel and excellent skills in financial and credit risk analysis
  • Self-initiative and able to work independently and under pressure
  • Willing to work overtime
  • Possess decision making and problem solving techniques
  • Good communication skills.  Good command of both spoken and written English and Chinese
  • Team player with strong interpersonal skills
Employment TypeFull-time
Career LevelIntermediate (3-6 years)
Education LevelBachelor
LanguageEnglish, Cantonese
CitibankFinancial Services, Retail and Commercial Banking

50/F, Champion Tower 3 Garden Road Central, Hong Kong

directions_walk12 mins walk from Admiralty Station