HK - GCB O&T - Credit Officer

Intermediate (3-6 years)

Technical Skills

  • Accountancy
  • Compliance
  • Credit Analysis
  • Credit Risk
  • Financial Analysis
  • Management Reporting
  • Microsoft Excel
  • Trade Finance
  • Training
  • Underwriting

Job Description

HK - GCB O&T - Credit Officer

Location: APAC-HKG-Hong Kong-Hong Kong

  • Carry out application processing functions for customers with adequate control, within the established processing turnaround time and meet productivity benchmark
  • Perform credit activities including credit underwriting, annual review, liaising with other operation divisions for loan booking, preparing credit proposals and credit risk analysis for corporate customers, particularly in trade finance
  • Exercise credit judgment in evaluating applications relating to both personal and commercial 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
  • Assist supervisor to train, coach, develop team members/Credit Officers and closely monitor their progress, resolve problem encountered to ensure work quality and excellent service delivery
  • Assist supervisor to review/identify opportunities and provide recommendations to address and/or mitigate credit risks/improve the work flow for processing efficiency and quality service, where appropriate
  • Provide input on new products and have good understanding of structured/complex transactions
  • Prepare regular and specific MIS/credit management reports for Department Head/management review
  • Perform various credit control and monitoring functions
  • Perform ad hoc duties as assigned


  • University graduate with minimum 5 years' experience in consumer credit business
  • Good accounting and financial analysis skills
  • Proven credit analysis experience gained from a financial institution with in depth knowledge and structured credit
  • Proficient in Excel Spreadsheet and excellent skills in financial and credit risk analysis on corporate accounts
  • Must be able to work independently and under pressure
  • Willing to work overtime and shift duty
  • Reliable and self-disciplined
  • Possesses 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