AVP Internal Audit – Credit & Commercial Lending

About the role

The position reports to the Audit Committee and senior regional leadership, joining a high‑performing Credit and Business Audit team. You will lead risk‑based audit engagements focused on commercial credit underwriting, portfolio management and loan impairment policies within a leading commercial bank in Hong Kong.

Key responsibilities

• Plan, manage and execute audit engagements covering commercial credit underwriting, portfolio management and loan impairment policies.
• Evaluate the adequacy and operational effectiveness of internal credit risk rating models, collateral valuation frameworks and credit approval processes.
• Ensure credit management practices and loan provisioning standards align with HKMA Supervisory Policy Manuals and statutory guidelines.
• Author concise audit reports for executive management and the Audit Committee, highlighting systemic risk exposures and remediation strategies.
• Partner with credit committee members, chief risk officers and business heads to monitor timely resolution of audit recommendations.
• Support continuous optimisation of credit risk audit methodologies and integrate data‑analytics tools for ongoing portfolio monitoring.

Required profile

• Bachelor's degree in Accounting, Finance, Risk Management or related discipline.
• Professional qualification such as CPA, CIA, FRM or equivalent is highly preferred.
• Minimum 7 years of experience in internal audit or credit risk management within a commercial bank, or credit risk audit experience in a Big 4 financial services practice.
• Deep expertise in commercial lending products, credit underwriting practices, counter‑party risk and HKMA regulatory credit frameworks.
• Excellent analytical, communication and report‑writing skills with ability to engage senior credit executives.
• Fluency in English, Cantonese and Mandarin.