Risk Management Specialist
1 day ago
About KOS International
KOS International is a leading provider of risk management services, dedicated to helping businesses navigate the complexities of credit risk assessment and lending.
Job Summary
We are seeking an experienced Credit Risk Manager to join our team in Hong Kong. As a key member of our risk management team, you will play a critical role in evaluating and managing credit risks associated with corporate and individual clients.
Responsibilities
- Credit Assessment and Analysis: Assess credit applications, conduct in-depth financial analysis, and evaluate borrowers' creditworthiness to determine appropriate lending decisions.
- Risk Mitigation Strategies: Develop and implement credit risk assessment frameworks and methodologies to ensure effective risk mitigation strategies.
- Lending Transactions: Collaborate with lending officers and relationship managers to structure credit transactions that meet the needs of both the bank and the client while maintaining acceptable risk levels.
- Exposure Monitoring: Monitor and review existing credit exposures, identifying potential risks and taking proactive measures to mitigate and manage those risks.
- Market Trends and Regulations: Stay up-to-date with market trends, industry regulations, and economic conditions that may impact credit risk profiles.
- Reporting and Recommendations: Provide regular reports and recommendations to senior management regarding credit portfolio quality, trends, and potential areas of concern.
Requirements
- Education: Bachelor's degree in finance, accounting, economics, or a related field.
- Certifications: Relevant certifications in risk management, credit analysis, or related areas (e.g., Certified Credit Risk Analyst).
- Experience: Proven experience as a Credit Risk Officer or in a similar role within the banking industry.
- Skills and Qualifications: Strong knowledge of credit risk assessment methodologies, financial analysis, and lending principles; familiarity with HKMA/SFC regulatory requirements related to credit risk management; excellent analytical and problem-solving skills.
Compensation and Benefits
The estimated salary for this position is HKD 80,000 - 120,000 per annum, depending on experience. In addition to a competitive salary, we offer a comprehensive benefits package, including medical insurance, retirement plan, and paid time off.
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