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Our client, an international bank based in the City, is seeking a skilled Credit Portfolio Officer to join their Credit Management Department. This role is pivotal in assessing, analysing, and managing credit risks, ensuring the bank minimises credit-related losses while maintaining a balanced, high-performing loan portfolio.
Principal Purpose of the Job:
- Assess and manage credit risks associated with extending credit to businesses or entities.
- Monitor the loan portfolio, identifying early warning signals to minimise potential losses.
- Align portfolio objectives with risk tolerance, market conditions, and return expectations.
- Deliver timely and accurate internal and external reports in both Chinese and English.
- Support the Head/Deputy Head of the Credit Management Department with projects and tasks.
Main Responsibilities:
- Portfolio Monitoring: Track repayment patterns, financial covenants, internal ratings, and exposure to identify signs of distress.
- Credit Risk Reporting & Analysis: Prepare regular reports for management, committees, regulators, and stakeholders, reflecting risk exposure and management strategies.
- Credit Risk Control: Manage credit limits for derivatives and money markets.
- Risk Analysis: Monitor macroeconomic factors, industry trends, and peer performance to evaluate credit risks to the bank’s loan book.
- Asset Quality Management: Oversee non-performing loans and write-offs.
- IFRS 9 Compliance: Calculate provision models and draft provision overlay memos.
- Policy Review: Assist in reviewing and updating policies, procedures, and operating manuals.
Skills & Experience Required:
- 3-5 years of experience in credit portfolio management.
- Proficient in both English and Mandarin (written and verbal). Essential
- Strong analytical skills, with experience using Excel and Power BI (Python and Access are a plus).
- Excellent time management, able to work independently.
- Proficient in Microsoft Word and PowerPoint.
- Strong communication and interpersonal skills.
Please note this is an office-based role. In return, you can expect a competitive salary, discretionary bonus and other benefits. If you'd like to be considered for this role, please click apply now
