Commercial Credit Analysis Manager / Silicon Valley IT Unicorn

• Responsible for business credit applications and their vendors/manufacturers in accordance with the company's policy and risk appetite while maintaining focus on risk tolerance, growth, and profitability objectives.
• Analyze complex information to assess credit risk and ensure compliance with applicable regulations, credit policy/procedures, in an effort to mitigate loss, delinquency and overall risk.

Client Details

• Silicon Valley IT Unicorn

Description

• Lead and continuously improve the company's policy and procedures on KYC and underwriting credit applicants and vendors
• Enhance company's credit policies and procedures to balance the customer's needs with company's risk
• Analyze application data including financial statements, bank statements, tax returns and business and personal credit reports. Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation
• Determine credit worthiness and structures credit within established guidelines and expectations
• Collaborate with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem credits
• Collaborate with BI and Data Scientist to leverage ML in automating decision making where effective
• Prepare and own a comprehensive credit summary in conjunction with the Relationship Managers to address all material aspects of the applicant's request
• Coach and train junior underwriters while providing feedback and guidance to maintain consistency across the team

Profile

• Must have advanced expertise in commercial loans.
• 10+ years of Asia/US Underwriting experience working in a commercial underwriting role at a fintech/bank/financial institution- with SME Commercial financing, Trade Financing, AR factoring (reverse-factoring) experience
• Expert in evaluating business financials and credit reports
• Bachelor's degree with a concentration in finance or accounting preferred
• Solid credit fundamentals in a commercial environment
• Excellent written and verbal communication skills

Job Offer

• Flexible working schedule with generous paid time off
• Multi-culture work environment and on-the-job Training & mentoring program

To apply online please click the 'Apply' button below. For a confidential discussion about this role please contact Kirsten Wang on +886 2 8729 8223.