Our client, an international bank based in the City, is seeking a skilled Credit Portfolio Officer to join their Credit Management Department. This role is pivotal in assessing, analysing, and managing credit risks, ensuring the bank minimises credit-related losses while maintaining a balanced, high-performing loan portfolio.

Principal Purpose of the Job:

• Assess and manage credit risks associated with extending credit to businesses or entities.
• Monitor the loan portfolio, identifying early warning signals to minimise potential losses.
• Align portfolio objectives with risk tolerance, market conditions, and return expectations.
• Deliver timely and accurate internal and external reports in both Chinese and English.
• Support the Head/Deputy Head of the Credit Management Department with projects and tasks.

Main Responsibilities:

• Portfolio Monitoring: Track repayment patterns, financial covenants, internal ratings, and exposure to identify signs of distress.
• Credit Risk Reporting & Analysis: Prepare regular reports for management, committees, regulators, and stakeholders, reflecting risk exposure and management strategies.
• Credit Risk Control: Manage credit limits for derivatives and money markets.
• Risk Analysis: Monitor macroeconomic factors, industry trends, and peer performance to evaluate credit risks to the bank’s loan book.
• Asset Quality Management: Oversee non-performing loans and write-offs.
• IFRS 9 Compliance: Calculate provision models and draft provision overlay memos.
• Policy Review: Assist in reviewing and updating policies, procedures, and operating manuals.

Skills & Experience Required:

• 3-5 years of experience in credit portfolio management.
• Proficient in both English and Mandarin (written and verbal). Essential
• Strong analytical skills, with experience using Excel and Power BI (Python and Access are a plus).
• Excellent time management, able to work independently.
• Proficient in Microsoft Word and PowerPoint.
• Strong communication and interpersonal skills.

Please note this is an office-based role. In return, you can expect a competitive salary, discretionary bonus and other benefits. If you'd like to be considered for this role, please click apply now