Perform risk assessment and provide analytical opinion on proposals.
Verify the execution of documents, and the fulfilment of conditions precedent.
Check and verify drawdown instruction and issue e-permit for loan disbursement.
Post lending management and oversight.
Analyzing and evaluating the risks of proposals, reviewing the documents from legal and compliance prospective, checking the conformity of conditions precedent and the perfection of legal documentation prior to loan advance.
Providing overall risk analysis opinion and recommendation based on the credit rating, credit facility limit, collateral value, facility structure, lending terms and other conditions and submit to CRMD Head/Manager or other authorized person for verification.
Monitoring and reviewing the approved credit facilities which are aligned with our Bank’s credit policy periodically.
Performing other duties that are assigned by CRMD Head/Manager.
Previously done, setup commitment fee on GCMS, reviewed site inspection credit proposal template, reviewed stress test proposals, analyzed market condition on Pacific Mall, analyzed the financial performance of Canadian big five banks and HSBC.
Review and comment the reasonableness on customer credit rating proposed by business originators, and whether rating scorecard has demonstrated the customer rating properly.
Review and comment the reasonableness of the credit limit requested by business originators.
Review the reasonableness of the collateral valuation and revaluation, make comments on collateral appraisal reports.
Oversee post-lending management conducted by business originators.

系统翻译：
进行风险评估并对提案提供分析意见。
验证文件的执行情况以及先决条件的满足。
检查并验证提款指令并签发贷款发放电子许可证。
贷后管理和
对提案的风险进行分析和评估，从法律、合规角度对文件进行审查，在贷款发放前检查先决条件的符合性和法律文件的完善性。
根据风险分析提出全面的意见和建议赊账评级、信贷额度、抵押品价值、信贷结构、贷款条款和其他条件，并提交给CRMD负责人/经理或其他授权人员进行验证。
定期监控和审查批准的信贷额度是否符合本行的信贷政策.
履行 CRMD 主管/经理分配的其他职责。
之前完成的工作包括在 GCMS 上设置承诺费、审核现场检查信用提案模板、审核压力测试提案、分析 Pacific Mall 的市场状况、分析财务状况加拿大五大银行业绩及汇丰银行。
检讨及评论业务发起人提出的客户信用评级的合理性，以及评级记分卡是否正确显示客户评级。
检讨及评论业务发起人要求的信用额度的合理性。
审查押品估价和重估的合理性，对押品评估报告提出意见。
监督发起人的贷后管理。