Job Summary / Job Purpose
Cooperate with Coverage or BLs in preparing credit applications/annual reviews; assist in credit documentation and follow up the post-approval management in client risk profile.

Main Responsibilities / Accountabilities / Tasks
? Evaluate credit facility requests raised by CRMs or BLs according to bank’s risk appetite and strategy.
? Undertake first level credit analysis, credit due-diligence and completion of credit files.
? Expedite and monitor the credit file approval process.
? Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients.
? Review and assess obligor rating at least annually, or as driven by special events.
? Address inquiries from RISQ or other internal parties timely and responsively.
? Maintain clear and updated documents in all credit files including financial statements, latest financial spreading, credit applications, validation records, internal and correspondence, etc.
? Assist in special credit related assignments and projects as required.
? Back up and support other credit analysts where needed.
? Experience of credit analysis in commodity sector is definitely a plus.

Candidate Profile
Academic Background (degree & major):
Bachelor degree or above, major in finance, accounting or economics preferred
Working Experience /Technical Skills & Know how:
? +8-year working experience in banking industry
? At least 5-year experience in corporate credit analysis
? Strong accounting and financial analysis skills
? Good knowledge on commercial banking products
Skills & Competencies: Good interpersonal & communication skills
Language Skills: English/Mandarin – Fluent in both speaking and writing
Computer Skill: Well versed in MS Office applications (Word, Excel, PowerPoint is a must

兴业银行成立于1988年8月，是经国务院、中国人民银行批准成立的首批股份制商业银行之一，总行设在福建省福州市，2007年2月5日 正式在上海证券交易所挂牌上市（股票代码：601166），注册资本50亿元。
兴业银行经营范围包括：存款、贷款；国内外结算；票据承兑与贴现；发行金融债券；代理发行、代理兑付、承销政府债券；买卖政府债券、金融债券；同业拆借；买卖、代理买卖外汇；银行卡业务；信用证服务及担保；代理收付款项及代理保险业务；保管箱服务；结售汇业务；短期融资券承销、基金托管、金融衍生产品交易等及其他经国务院银行业监督管理机构批准的业务。
自开业以来，兴业银行始终坚持与客户“同发展、共成长”和“服务源自真诚”的经营理念，致力于为客户提供全面、优质、高效的金融服务。截至2006年末，兴业银行资产总额为6177.04亿元，股东权益为162亿元，2006年实现净利润37.98亿元。根据英国《银行家》杂志于2006年6月首次发布的中国银行100强排行，兴业银行平均资本利润率列各家全国性银行首位，一级资本和资产总额均列全国第十位；在该杂志同年7月公布的全球银行1000强的最新排名中，本行按总资产排名列第164位，较上年提升46位，首次跻身全球200强行列；按一级资本排名列第297位，较上年提升28位。