Senior Credit Risk Professional
7 hours ago
KOS International is a leading organization in the financial sector, committed to delivering exceptional services and expertise. Our team is dedicated to fostering a culture of excellence, innovation, and collaboration.
Job DescriptionWe are seeking a highly skilled Credit Risk Manager to join our team. As a key member, you will play a pivotal role in evaluating and managing credit risks, ensuring that our lending activities align with prudent risk policies. Your expertise will be instrumental in driving business growth while maintaining a robust risk management framework.
Key Responsibilities:- Credit Application Assessment: Conduct thorough evaluations of credit applications, leveraging your analytical skills to assess borrowers' creditworthiness and determine appropriate lending decisions.
- Risk Analysis and Mitigation: Develop and implement effective credit risk assessment frameworks and methodologies to ensure timely identification and mitigation of potential risks.
- Lending Transaction Structuring: Collaborate with lending officers and relationship managers to create credit transactions that balance the needs of both our bank and clients while maintaining acceptable risk levels.
- Exposure Monitoring: Regularly review existing credit exposures, identifying potential risks and taking proactive measures to mitigate and manage those risks.
- Staying Up-to-Date: Stay informed about market trends, industry regulations, and economic conditions that may impact credit risk profiles.
- Education: Bachelor's degree in finance, accounting, economics, or a related field.
- Experience: Proven experience as a Credit Risk Officer or in a similar role within the banking industry.
- Certifications: Relevant certifications in risk management, credit analysis, or related areas (e.g., Certified Credit Risk Analyst).
- Skills: 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, with the ability to assess complex financial information and make sound judgments.
We offer a competitive compensation package, comprehensive benefits, and opportunities for professional growth and development.
As a valued member of our team, you will have the chance to contribute to our mission and make a lasting impact in the financial sector.
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