Lead Credit Risk & Approval Officer
Wells Fargo
Wan Chai, Hong Kong SAR

About this role

Responsible for overseeing the credit activities and portfolio for selected markets within FIG Banks- APAC. The focus will be banks in emerging markets in in North and South Asia (e.g. China and Vietnam).

In this role, you will :

  • The position will require familiarity with credit risk processes and systems and coordination with business and support units, such as relationship management, legal and operations.
  • Principal functions

  • approving loans and other credit limits,
  • recommending to senior management loans and credit limits that exceed the Credit Officer's Delegated Credit Authority;
  • approving credit risk ratings and credit underwriting in assigned markets;
  • reviewing Country and Regional Credit Strategies; and
  • assisting with the structuring, pricing and documentation of larger loan transactions.
  • Other functions :

  • Planning, organizing and assisting management in accomplishing business goals;
  • ensuring conformity with company / regulatory policies and procedures;
  • monitoring problem credits; reviewing criticized asset reporting;
  • monitoring credit underwriting and portfolio management performance and reporting thereon for senior management and regulatory agency review;
  • analyzing new business prospects; working with Country Risk coverage officers in the preparation of country limits and country risk ratings;
  • preparing overviews as needed for senior management within Wells Fargo;
  • working closely with the Line of Business to ensure that internal and regulatory reviews of the credit portfolio and credit underwriting practices receive at least Satisfactory ratings.
  • Required Qualifications

  • A strong track record of successful underwriting and credit experience located in the APAC region.
  • Familiarity with business practices, economic factors, and market developments in relevant markets.
  • Familiarity with financial institutions in relevant markets.
  • Familiarity with global banking regulations (such as Basel III) and practices and with relevant local bank regulations and regulatory agencies.
  • Familiarity with bank accounting practices in local markets in APAC.
  • Previous experience in structuring and documenting loan and other credit transactions.
  • Familiarity with interbank payment and settlement systems and practices.
  • Familiarity with various capital markets products -such as derivatives and syndications- as they relate to assigned markets.
  • We Value Diversity

    At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

    Employees 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.

    Candidates applying to job openings posted in US : All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

    Candidates applying to job openings posted in Canada : Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities.

    Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.


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