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Job Ref: 15012
Salary: $50000 – $80000
Credit Analyst – Bilingual Mandarin (Onsite – Manhattan)
Base Salary: $50,000 – $80,000 (commensurate with skills and experience)
Elevate Your Credit Career in the Heart of NYC
Join a dynamic credit team at a global financial institution where your expertise in credit analysis and systems will help shape the quality and stability of the loan portfolio. This role offers the opportunity to go beyond routine underwriting — you’ll support system operations, risk management processes, and play a key role in portfolio intelligence and credit monitoring for high-stakes commercial lending.
If you’re fluent in Mandarin, have strong banking experience, and thrive in a data-driven, systems-oriented credit environment, this is the role for you.
What You’ll Do:
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Monitor Credit Portfolio Health: Manage internal MIS and portfolio reporting systems to track trends, risk exposure, and emerging credit signals.
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Enhance System Efficiency: Act as a key support for credit system administration—troubleshooting, maintaining parameters, documenting workflows, and collaborating with tech teams to improve system design.
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Support Credit Underwriting Excellence: Review loan proposals, approvals, and analysis to ensure compliance and consistency in underwriting standards.
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Coordinate Risk Analytics: Partner with the Risk Management team on CECL processes, stress testing, and ACL (Allowance for Credit Losses) data runs and reporting.
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Prepare High-Impact Reports: Generate reports for senior management and Head Office, identifying early warning signs and credit deterioration.
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Maintain Credit Policy Compliance: Help oversee credit-related policies, procedures, and ensure alignment with regulatory and internal standards.
What You Bring:
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Bachelor’s degree in Finance, Accounting, or a quantitative field (Graduate degree preferred)
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7+ years of credit function experience in a banking environment
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Fluency in Mandarin Chinese (required for daily business communication)
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Strong knowledge of credit products, lending principles, and bank operations
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Advanced Excel skills and familiarity with credit systems and reporting tools
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Ability to independently build and validate statistical credit risk models
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Professional certifications such as CPA, CFA, FRM are a strong plus
Why This Role?
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Competitive salary with room for growth: $50,000–$80,000 base
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Be a core part of a high-impact credit team in a stable and respected institution
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Gain exposure to portfolio strategy, risk analytics, and system-level influence
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Work onsite in Manhattan — a central location with access to the heart of the financial world
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