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Credit Analyst

Intermediate (3-6 years)


Technical Skills

  • Accountancy
  • Credit Analysis
  • Filing
  • Financial Analysis
  • Formatting
  • Macroeconomics
  • Microsoft Word
  • Spreadsheets
  • Statistics
  • Training
  • Underwriting

Job Description

Credit Analyst

Location: Hong Kong

About Wells Fargo: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $2.0 trillion in assets. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 8,500 locations, 13,000 ATMs, the internet ( and mobile banking, and has offices in 42 countries and territories to support customers who conduct business in the global economy. With approximately 273,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 25 on Fortune’s 2017 rankings of America’s largest corporations. Wells Fargo’s vision is to satisfy our customers’ financial needs and help them succeed financially. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.

The Financial Institutions Group (FIG) Credit Analyst protects the Corporation’s exposure by preparing quality credit underwriting for use by various Wholesale banking personnel.  Knowledge of proper credit policies and underwriting practices will enable the analyst to provide timely and thorough credit analysis of foreign financial institutions in different regions like Asia and the Indian sub-continent, Europe, Latin America and the Middle East.

Specifically, the FIG Credit Analyst evaluates banks and other financial institutions in assigned geographic markets based upon standard and documented underwriting criteria as per Corporate and FIG Credit Policies.  The end-product of the underwriting activity is a timely and thorough review of the financial institution, with appropriate internal risk ratings assigned to the counterparty and acceptable justification of those ratings.

Individual at this level is considered as the technical expect. He/she is expected to analyze the most complex companies and industries with independence and seek senior input on more complex issues.  May conduct presentation to senior management.  Incumbent at this level may provide supervision/training to less experienced team members.  Primary duties include :
  1. Timely and accurate in the preparation of written analysis of banks and other financial institutions including Non Bank Financial Institutions (NBFI) in assigned geographic markets.  This includes extensive financial statement analysis of individual institutions and comparison to other peer institutions within the same country or sub industry. Coordination of spreadsheet preparation with outside providers will typically be required; in some cases, internal spreadsheet preparation may be required.  In addition to the financial review, the analysis should incorporate current news on relevant topics or/and events related to the counterparty, its industry and country.  Standard analysis format will be used in preparing reports. Prepared analysis will sometimes be incorporated into annual country reviews as well as into certain transactional or portfolio reviews.
  2. As part of the analysis, an accurate risk ratings (including any changes from current ratings) must be assigned to the institution, with adequate justification contained within the analysis to support the assigned ratings.
  3. Application of monitoring tools to timely recognize potential problem loans in a specific market and/or counterparty.
  4. Maintain credit files for assigned accounts.
  5. May involve in planning for country exposure reviews by coordinating with line officers and outside resources to obtain supporting information and materials.
  6. May be called upon to provide comments on individual banks or banking systems in various internal meetings.
  7. May assist in internal and external exams by preparing the necessary credit folders for the exam.  This will be done under direct supervision of the Loan Team Manager.


  1. The candidate for FIG Credit Analyst should have training on bank credit analysis and at least 5 plus years experience in performing financial analysis on banks and working with spreadsheets. In addition, it is desirable that the candidate should be familiar with some of the following resources:
  • Rating Agencies and bank Credit Analysis: Fitch Ratings, S&P and Moody’s.
  • Other publications: various reports from or websites maintained by Central Banks and Banking and Supervisory Agencies in countries in assigned geographic markets.
  • Spreadsheets: Bankscope/SNL
  1. Although it is required that the candidate have knowledge of Financial Institutions credit analysis, strong knowledge of corporate credit analysis will be a plus.
  2. Must have effective financial analysis research and writing skills, with a strong command of proper grammar and spelling in English.  
  3. Must be adept at using electronic spreadsheets, word processing and database software.
  4. Hold a degree of B.A. or equivalent. Recommended course work includes: business finance, macroeconomics, financial markets, financial accounting, statistics, and computer science.
  5. Language skills (Chinese) are preferred.

Team members support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
Employment TypeFull-time
Career LevelIntermediate (3-6 years)
Education LevelNon-specified
LanguageEnglish, Cantonese
Wells Fargo BankFinancial Services, Retail and Commercial Banking

23 / F, AIA Financial Center, 1 Connaught Road Central, Central, Hong Kong

directions_walk13 mins walk from Admiralty Station