Job Description
Job Title: Credit Portfolio Risk Assistant
Location: London, Employment Type: Full-time
Overview:
We are recruiting for a Credit Portfolio Risk Officer to join the Risk Management team of a renowned global bank! This role is pivotal in evaluating and managing credit risk across the loan portfolio.
The successful candidate must have 1-5 years of relevant experience in credit portfolio risk within the financial services industry and proficient in Mandarin is essential!
Key Responsibilities:
* Portfolio Surveillance:Continuously monitor the bank's credit exposures by analysing repayment performance, covenant compliance, internal ratings, country-specific risks, and large exposure movements to detect early indicators of credit weakness.
* Risk Reporting & Insight Generation:Develop and deliver timely and accurate credit risk reports to senior management, regulatory bodies, and internal committees. These will include updates on credit exposure, risk appetite metrics, and portfolio trends.
* Limit Control & Risk Oversight:Manage and oversee exposure limits, particularly related to derivatives and money market instruments, ensuring compliance with internal risk frameworks.
* Credit Risk Evaluation:Conduct in-depth reviews on how macroeconomic developments, industry dynamics, peer performance, and product trends impact the Bank's credit quality.
* Asset Quality Review:Support asset quality oversight, including accountability assessments for non-performing assets and recommendations for loan write-offs.
* IFRS 9 Provisions:Assist in the calculation of expected credit losses using IFRS 9 models and draft memos to support overlay provisions.
* Policy & Project Support:Contribute to departmental initiatives such as reviewing risk-related policies, updating operational manuals, and participating in internal process improvements.
Required Skills & Experience:
* 1-5 years of relevant experience in credit portfolio risk, ideally within a financial institution or credit risk function.
* Fluency in both Mandarin and English (written and spoken) is required.
* Ability to work independently and manage multiple priorities with minimal supervision.
* Strong analytical skills with.
* Proficient in preparing reports and presentations.
* Confident communicator with excellent interpersonal and stakeholder engagement skills.
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