The Company is seeking an Associate Vice President for Internal Audit with a focus on Credit Audit and Commercial Lending. The successful candidate will be responsible for planning, managing, and executing risk-based audit engagements in the areas of commercial credit underwriting, portfolio management, and loan impairment policies. This role requires the evaluation of the adequacy and operational effectiveness of internal credit risk rating models, collateral valuation frameworks, and credit approval processes, ensuring compliance with HKMA Supervisory Policy Manuals and statutory guidelines. The AVP will also be tasked with authoring high-impact audit reports, identifying systemic risk exposures, and proposing practical remediation strategies. Applicants must have a Bachelor’s degree in a relevant field, with a preference for professional financial or auditing qualifications such as CPA, CIA, or FRM. A minimum of 7 years' experience in internal audit or credit risk management within a commercial bank, or credit risk audit experience within the Big 4, is required. The role demands deep technical expertise in commercial lending products, credit underwriting practices, counterparty risk, and HKMA regulatory credit frameworks. Excellent analytical, communication, and report-writing skills are essential, as is the ability to engage constructively with senior credit executives. Fluency in English, Cantonese, and Mandarin is mandatory for conducting audit fieldwork and reviewing credit documentation.