Hong Kong SAR
As an experienced professional focusing on credit risk, my objective is to seek a position within middle-to-back office in a reputable financial institutions where my academic background and interpersonal skills are well developed and utilized.
- Perform loan classification and impairment (ECL) assessment and budgeting. - Perform data quality review and provide regular management reports for regulatory reporting, financial reporting and risk management reporting. - System enhancement.
- Conducting portfolio data analysis on post lending accounts to identify the associated credit risks and problems, in order to make appropriate recommendations on risk mitigation. - Monitoring the performance of corporate loan portfolios to ensure compliance with the bank-wide credit risk strategies, policies and procedures. - Soliciting and analyzing market-related information on the practicing trend of corporate risk management, and making recommendations to Senior Management for procedural reviews. - Provide advice to corporate business teams on HKMA loan classification and follow up the completion of loan downgrade, timely completion of credit review, credit risk rating renewal, etc - Assist to formulate and review credit policies, credit processes and procedure manuals to ensure they are up-to-date and meet business and regulatory requirements. - Assist in the development of an early warning policy and procedures to identify early warning signs of credit deterioration and alert related units with recommended courses of action. - Prepare meeting materials for presentation in credit related committees. - Ensure data quality and accuracy for Head Office reporting, regulatory reporting and monthly reporting with relevant stakeholders. - Handle ad hoc projects in relation to risk monitoring and internal control as from time to time assigned by the management.
- To perform guarantee administration duties under the SME Financing Guarantee Scheme ('SFGS'), including processing and verification of monthly reports, reconciliation of guarantee fees receivable from 20-30 lending banks and annual renewal of guarantees. - To support MIS reports and document management services. - To support ad hoc projects.