Credit Portfolio Risk Assistant - Marks Sattin : Job Details

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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