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The health and safety of our colleagues and candidates for employment are our highest priority. Accordingly, Citi continues to monitor the COVID-19 situation closely. We have implemented precautionary measures across our firm globally, including conducting all candidate interviews virtually on a temporary basis until further notice where needed.

Consumer Bank, Credit Analyst (Approver) (Credit Card/Personal Loan)

Job Req ID 22519102 Location(s) Kowloon, Hong Kong SAR Job Category Institutional Trading
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The Credit Analyst is an intermediate level position responsible for participating in the generation of market commentary and value trade ideas, in coordination with the Trading team. The overall objective of this role is to monitor and evaluate desk risk positions and update the business on market and sector news.

Roles & Responsibilities:

  • Support credit underwiring function for credit card & personal loan products according to bank's policy and with adequate control and within the established processing turnaround time as well as meeting productivity benchmark
  • Perform credit activities (including credit risk analysis, credit proposal write up and credit processing for new application / cardholder credit transaction / personal loan top-up) for both credit card & personal loan products
  • Render support on quality check (eg. day 2 review, quality assurance framework, etc) to ensure compliance with the regulatory requirement, prevailing policy and procedure
  • Participate in projects and initiatives. Support projects, development of work flows and procedures to enhance credit underwriting and post-approval process
  • Provide training to junior staff / new hire where necessary
  • Support various office routine (eg. COB drill test)


  • 2-7 years of experience in related credit business
  • Experience in credit operations or similar position is preferable
  • Knowledge of the processes, procedures and systems
  • Ability to work in a team-oriented environment


  • Bachelor’s degree/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

FOR YOUR AWARENESS: We are implementing the Vaccine Pass in accordance with the guidance of the HKMA, effective April 1, 2022.   All Citi staff will be required to be vaccinated against COVID-19 or have a valid medical exemption to enter Citi premises.   To comply with this, the successful candidate must be either vaccinated against COVID-19 or have a valid medical exemption.


Job Family Group:

Institutional Trading


Job Family:



Time Type:


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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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