普创管理咨询（上海）有限公司

Reports to(direct)Head, Sales & Credit Services
Job Purpose:
·To assist in the development of streamlined credit processes and the creation of credit culture characterized by quality improvement and timeliness,
for an assigned business area to help maximize productive selling and the speed of product delivery to the customer.

Key Responsibilities:

·Performs industry studies and conducts financial analyses of segment customers using credit review skills, accounts spreading,
and ratio, balance sheet and cash flow analyses to support productive sales performance.
·Evaluates and acquires a good understanding of the risk associated with individual transactions, products and borrowers.
·Prepares quality credit applications in partnership with relationship management colleagues.
·Participates in account planning sessions to improve familiarity with customers’ business and visits customers in order to appreciate the nature of credit risks.
·Ensure that the approval procedures, standards of credit and maintenance, conform to controls/procedures.
·Assist sales force to monitor credit quality by highlighting early warning signs of credit deterioration.
·Assists sales colleagues to structure credit solutions.
·Fosters effective working partnerships through participation in the segment’s sales meetings and the timely delivery of high quality service to colleagues.
·Ensures conformity with the overall organization’s risk management policies and standards.
·Works with senior colleagues to establish credit procedures and standards.
·Represents the segment on credit matters that require review by organizational forums such as credit policy committee.

Key Relationships:
Internal:Members of Sales Force in Local Corporate Team Sales Force of Global Markets
Credit approval chain
Technology support Credit Risk Control (CRC)
External:The Bank’s customers

Key Measurables:
·Quality of business credit applications (BCAs).
·Turnaround time for preparation and submission of limit applications.
·Customer feedback on responsiveness.