Credit Risk Management Analyst - CICC

CICC; Hong Kong; On-site; HKD 600,000 - 900,000; Full time

Job summary

CICC is seeking a credit risk professional to assess and monitor credit exposure across EQ, FICC and Wealth management lines. The role involves due diligence, review of credit terms for margin loans, and ongoing risk monitoring in a fast-paced investment bank environment.

The ideal candidate will have a master's degree in a related field, 1-8 years of credit risk experience, and strong knowledge of financial markets, with proficiency in English and Chinese. FRM/CFA credentials are a plus.

Qualifications

• Master's degree or above in Finance, Economics, Mathematics, or a related field.
• 1-8 years of relevant credit risk management experience within an investment bank or financial institution.
• Strong understanding of financial markets and products, including but not limited to cash equities, equities derivatives, fixed income, commodities, futures etc.
• Sound knowledge of regulatory frameworks and requirements related to credit risk management.
• Sound and solid analytical and problem-solving skills, with the ability to identify and assess counterparty risks models.
• Proven potential leadership and team management skills, with the ability to effectively collaborate and communicate with front office and other internal departments.
• Solid communication and presentation skills.
• Good verbal and written communication skills in both Chinese and English.
• Professional certifications such as FRM or CFA are desirable.

Responsibilities

• Conduct clients’ credit assessments for EQ, FICC and Wealth management.
• Conduct due diligence on clients and perform ongoing monitoring the credit status of our clients.
• Assist in reviewing and negotiating of credit terms on margin loan, structure products and OTC derivatives agreements (i.e. ISDA, GMRA, GMSLA)
• Review and assess margin rules methodologies for various products, e.g equity, bond, options, fund, structure products.
• Review and assess credit limits and ratings as well as providing recommendations to senior management for credit limit approval.
• Prepare daily credit reports and monitor credit exposures e.g. PFE and EAD exposure, across EQ, FICC and Wealth management businesses.
• Review and update credit risk management policies and procedures, ensuring the effective implementation of credit risk controls.
• Conduct regular credit risk stress testing and risk screening to identify potential risks.
• Conduct credit risk assessments on new products/businesses applications.
• Support ad-hoc requests from business departments and other internal clients.

Skills

Credit risk management

Analytical skills

Problem-solving

Leadership

Communication skills

Bilingual Chinese/English

Education

Master's degree in Finance/Economics/Mathematics

Job description

• Conduct clients’ credit assessments for EQ, FICC and Wealth management businesses.
• Conduct due diligence on clients and perform ongoing monitoring the credit status of our clients.
• Assist in reviewing and negotiating of credit terms on margin loan, structure products and OTC derivatives agreements (i.e. ISDA, GMRA, GMSLA)
• Review and assess margin rules methodologies for various products, e.g equity, bond, options, fund, structure products.
• Review and assess credit limits and ratings as well as providing recommendations to senior management for credit limit approval.
• Prepare daily credit reports and monitor credit exposures e.g. PFE and EAD exposure, across EQ, FICC and Wealth management businesses.
• Review and update credit risk management policies and procedures, ensuring the effective implementation of credit risk controls.
• Conduct regular credit risk stress testing and risk screening to identify potential risks.
• Conduct credit risk assessments on new products/businesses applications.
• Support ad-hoc requests from business departments and other internal clients.

Qualifications

• Master's degree or above in Finance, Economics, Mathematics, or a related field.
• 1-8 years of relevant credit risk management experience within an investment bank or financial institution.
• Strong understanding of financial markets and products, including but not limited to cash equities, equities derivatives, fixed income, commodities, futures etc.
• Sound knowledge of regulatory frameworks and requirements related to credit risk management.
• Sound and solid analytical and problem-solving skills, with the ability to identify and assess counterparty risks models.
• Proven potential leadership and team management skills, with the ability to effectively collaborate and communicate with front office and other internal departments。
• Solid communication and presentation skills.
• Good verbal and written communication skills in both Chinese and English.
• Professional certifications such as FRM or CFA are desirable.

Disclaimer

CICC is committed to fostering an environment of equity and diversity. We recognize the importance of fair treatment in all aspects of our business, from recruitment and hiring to professional development and advancement.

CICC aims to build an inclusive workplace that values the diverse backgrounds, ideas, and cultures of our employees. We strive to create an environment where every employee feels heard, supported, and empowered to contribute to the company's growth and success. By leveraging our collective strengths, we aim to drive innovation and achieve excellence in the industry.

It is CICC’s responsibility to provide equal employment opportunities to all prospective employees, regardless of race, ethnicity, gender, age, disability, or any other characteristics protected by law.

The preceding job description has been designed to indicate the general nature and level of the work to be performed by employees within this classification. It is not intended to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.