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Credit Advisor, Investment Financing Group (IFG)

Intermediate (3-6 years)


Technical Skills

  • Accountancy
  • Asset Allocation
  • Business Development
  • Compliance
  • Derivatives
  • Due Diligence
  • Economics
  • Equities
  • Financial Analysis
  • Fixed Income
  • Marketing
  • Negotiation
  • Portfolio Construction
  • Relationship Management
  • Sales
  • Wealth Management

Job Description

Credit Advisor, Investment Financing Group (IFG)

Location: Non-Japan Asia-Hong Kong-Hong Kong-Hong Kong

Role Overview
Help spearhead the overall expansion of Private Wealth Management’s (PWM) credit offering platform. Design/restructure banking and credit solutions for PWM clients to drive new client acquisition and growth of existing client relationships. Expand the credit offerings to drive overall business results.
Key Responsibilities
  • Maintain and manage all aspects of credit relationships/portfolios including complex lending and sophisticated credit needs for client growth and cross selling opportunities.
  • Partner with Sales to identify clients’ needs, conduct client profiling, give recommendation and deliver professional credit solutions to clients and prospect financings or restructurings.
  • Implement strategies and solutions to achieve credit portfolio growth and meet profitability goals, and to ensure these strategies are executed effectively and efficiently in a risk and regulatory-compliant manner.
  • Originate credit leads from existing clients and prospects, identify new business opportunities and lead the credit marketing initiatives for HK and SG.
  • Provide innovative ways to structure loan opportunities, be accountable for loan structuring, negotiation and closing, and to ensure a seamless client experience for any post credit transactions.
  • Play a leading role in credit documentation, deal analysis, due diligence and credit presentations.
  • Monitor portfolio risk and market changes, and work with Relationship Managers and Risk to change debt structure/risk ratings in response to changes in risk environment.
  • Act in accordance with Bank's risk culture, policies and procedures, maintain balance objectives of marketing opportunities and risk.


  • Degree holder in Banking & Finance, Economics, Business Administration, Accounting or related disciplines.
  • Sound knowledge of credit advisory and structuring within PB with minimum 5 to 7 years of relevant experience.
  • Demonstrate strong business development skills in acquiring profitable client relationships and solid sales experience including selling, closing and asking for referrals.
  • Profound understanding of investments and banking concepts including but not limited to credit/lending, loans, asset allocation/portfolio construction, equities and fixed income trading.
  • Knowledge of account maintenance procedures, credit documentation/administration, loan closing procedures and risk/compliance policies.
  • Experience in credit and derivatives transactions and structuring complex transactions.  
  • Effective organizing and prioritizing skills, work well under tight deadline.
  • Self-motivated and attention to details.
  • Strong data analytical skills including financial analysis.
  • Excellent communication and interpersonal skills, strong ability in relationship management and teamwork oriented.
  • Good command of English & Chinese, proficiency in written Chinese and fluent Mandarin speaking.
Employment TypeFull-time
Career LevelIntermediate (3-6 years)
Education LevelBachelor
LanguageEnglish, Cantonese, Mandarin (Putonghua)
Morgan StanleyInvestment Banking and Brokerage

Level 46 International Commerce Centre 1 Austin Road West Kowloon Hong Kong SAR

directions_walk21 mins walk from Austin MTR Station