SVP, Credit Risk Management

As an SVP Credit Risk Approver, you will provide independent credit approval and risk governance for property investment-related corporate banking exposures in Hong Kong. You will challenge underwriting assumptions, ensure decisions align with risk appetite and credit policy, and oversee robust monitoring and documentation quality for income-producing real estate risks.

Key Responsibilities

• Credit Approval / Independent Challenge

  • Approve or decline complex property investment credit proposals within delegated authority.
  • Provide independent challenge to underwriting/front office and ensure decisions are defensible and audit-ready.

• Property Investment Underwriting Oversight

  • Assess borrower strength and corporate structure (including group/related-party risks).
  • Validate asset cash-flow assumptions: lease quality, tenant credit, occupancy, lease expiry profile, vacancy and arrears.
  • Evaluate repayment capacity supported by income durability and downside resilience.

• Valuation, Collateral & Security Review

  • Review valuation approach and key drivers (cap rates/yield, market rents, vacancy assumptions).
  • Ensure security package (where applicable) is properly documented, enforceable, and aligned with credit terms.

• Structure, Covenants & Risk Mitigation

  • Assess appropriateness of LTV/coverage/structural protections and ensure risk compensation is adequate.
  • Review covenant frameworks and trigger events suited to property investment performance deterioration.

• Monitoring & Early Warning

  • Oversee watchlist and early warning escalation for rental/occupancy deterioration, tenant stress, and near-covenant breaches.
  • Support portfolio governance and recommendations for intervention, restructuring, or credit actions.

• Governance & Documentation Excellence

  • Ensure credit memos, stress tests, assumptions, and approval records are complete and consistent.

Required Qualifications & Experience

• 15+ years of experience in corporate banking credit risk / underwriting / portfolio risk / credit governance.
• Bachelor's degree from a relevant discipline
• FRM, CFA preferred
• Demonstrated expertise with property investment credits (income-producing real estate exposures).
• Proven background in independent credit decisioning and governance.