Job Description
This role manage and monitor credit risks within the bank's lending portfolio. The successful candidate will play a pivotal role in assessing credit exposure, maintaining portfolio health, and supporting strategic decision-making by delivering timely and accurate reports.
Responsibilities
* Portfolio Oversight: Monitor the organization's credit portfolio to identify potential risks, early warning signs, or credit quality changes through analysis of repayment patterns, financial covenants, and market conditions.
* Credit Risk Reporting: Prepare comprehensive updates for management, committees, and stakeholders, highlighting credit risk exposure, compliance with risk appetite, and the effectiveness of risk management strategies.
* Risk Control Management: Oversee credit risk processes, including handling derivative and money market limits.
* In-Depth Analysis: Evaluate broader economic, industry, and product-specific trends to assess potential impacts on the loan portfolio.
* Asset Quality Assurance: Manage non-performing loans, assess accountability, and handle write-offs.
* Provision Management: Calculate IFRS 9 provisions and draft related documentation.
* Departmental Support: Assist leadership with ongoing projects, policy updates, and operational improvements.
Skills & Experience Required
* Experience: A solid background in credit portfolio management, with 3–5+ years of relevant experience.
* Languages: Fluency in English and Mandarin, both written and verbal.
* Analytical Skills: Strong proficiency in data analysis tools like Excel and Power BI; knowledge of Python and Access is advantageous.
* Technical Skills: Skilled in using Microsoft Word and PowerPoint.
* Interpersonal Skills: Excellent communication and relationship-building capabilities.
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