We are a leading financial services provider committed to making decisions easier and lives better for our customers and colleagues around the world. From our environmental initiatives to our community investments, we lead with values throughout our business. To help us stand out, we help you step up, because when colleagues are healthy, respected and meaningfully challenged, we all thrive. Discover how you can grow your career, make impact and drive real change with our Winning Team today.

Working Arrangement

In Office

Job Description

The opportunity

Responsibilities

• Responsible for credit reviews for all mainland China issuers at both sectors and specific company level. Support to provide credit opinion independent of first line.

• Full responsibility for credit approval for MSL fixed income investment up to delegated approval authority, and escalate for and seek higher approval authorities from regional or head office as needed.

• Ensure the quality and timeliness of the credit approval, and consultation with Head of Credit Asia.

• Ensure adherence to the group credit policies and procedures. Align MFC Global Investment Guidelines to MSL.

• Assist in Quarterly Loan Review and related reporting.

• Ensure adherence to all local regulatory standards and requirements.

• Act as the 2nd line of defense for Credit risk management in MSL.

• Assist the CRO to manage credit quality of existing portfolio ensuring companies are followed on a regular basis and that major credit events are properly assessed, annual reviews are completed, and internal credit ratings are up to date and accurate. Where applicable, ensure an oversight on compliance with all financial/legal covenants.

• Review assessments performed on any proposed credit methodologies, country review, stress tests and any ad hoc requests from Head Office.

• Support in reviewing / assessing new investment product proposals.

• Support implementation of GA Credit Policies.

• Assist to monitor the credit limit utilization/excess capacity, and advise on the necessary internal approvals.

• Coordinate with first line on enquiries from head office/Regional Office on credit related issues.

• Assist in daily management of the Credit Analytics Teams (based in Manila).

• Provide feedback on the enquiries from head office on the investment portfolios details.

• Lead and participate in other ad-hoc projects/requests as needed.

What we are looking for

• University graduate, preferably in Finance or Business Administration. Professional degree preferred, including CFA or CPA.

• Minimum 15 years relevant experience in banking, or other financial institutions, including at least 10 years of credit approval experience with sizable delegated authority.

• Solid institutional credit analysis skills

• Strong knowledge of the mainland China credit markets

• Fluent in English and Mandarin preferred, and strong English writing skill

• Mature and disciplined personality with strong organization, communication and interpersonal skills.

• Strong business and financial management skills

What can we offer you?

• A competitive salary and benefits packages.

• A growth trajectory that extends upward and outward, encouraging you to follow your passions and learn new skills.

• A focus on growing your career path with us.

• Flexible work policies and strong work-life balance.

• Professional development and leadership opportunities.

Our commitment to you

• Values-first cultureWe lead with our Values every day and bring them to life together.

• Boundless opportunityWe create opportunities to learn and grow at every stage of your career.

• Continuous innovationWe invite you to help redefine the future of financial services.

• Delivering the promise of Diversity, Equity and InclusionWe foster an inclusive workplace where everyone thrives.

• Championing Corporate CitizenshipWe build a business that benefits all stakeholders and has a positive social and environmental impact.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we operate as Manulife across our offices in Asia, Canada, and Europe, and primarily as John Hancock in the United States. We provide financial advice, insurance, and wealth and asset management solutions for individuals, groups and institutions. At the end of 2022, we had more than 40,000 employees, over 116,000 agents, and thousands of distribution partners, serving over 34 million customers. At the end of 2022, we had $1.3 trillion (US$1.0 trillion) in assets under management and administration, including total invested assets of $0.4 trillion (US $0.3 trillion), and segregated funds net assets of $0.3 trillion (US$0.3 trillion). We trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges, and under ‘945’ in Hong Kong.

Manulife is an Equal Opportunity Employer

At Manulife /John Hancock , we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour , ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process . All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies . To request a reasonable accommodation in the application process, contact .