Credit Risk Trainee (One Year Contract)

Crédit Agricole CIB; Hong Kong; On-site; HKD 201,000 - 268,000; Full time

Job summary

Crédit Agricole CIB in Hong Kong invites applicants for a Credit Risk Trainee position. The program focuses on preparing credit risk reports and simple credit analyses for financial institutions, and researching industry data to support risk assessment.

The one-year trainee program (extendable up to two years) offers hands-on experience in evaluating new business and performing portfolio reviews, with emphasis on accuracy and timely delivery to Credit Committees.

Qualifications

• University graduate in accounting, business administration or finance.
• Less than 12 months of full-time experience after graduation.
• Experience in banking or finance industry preferred.
• Fluent in written and spoken English; Chinese is a plus.
• Good writing and Excel skills; strong analytical ability.

Responsibilities

• Prepare regular and ad hoc statistical and analysis reports for the team and head of FSP AP.
• Assist in financial analysis of FI counterparties, such as CAMEL analysis to assess creditworthiness.
• Gather external ratings from agencies such as S&P, Moody's and Fitch.
• Prepare reports for FSP AP such as late rating reports and annual review schedules.
• Track and update monthly NAV reports for funds.
• Assist in ad hoc requests and reports.
• Maintain accurate and up-to-date credit files and documentation.
• Ensure high-quality credit risk information presented to Credit Committees.

Skills

Writing skills

Excel skills

Analytical skills

Attention to detail

Team player

Working under pressure

Financial analysis

Education

Accounting, Business Administration or Finance degree

Tools

AI tools

Job description

The Credit Risk trainee will primarily be responsible for preparing credit risk reports and simple credit analysis for financial institutions, as well as providing research on industry, sector and credit risk data mining.

The trainee will become a value added RPC FSP AP member by assisting the team to evaluate the credit risk of new business/ the periodic risk review of existing clients and portfolio review.

The ideal candidate should complete the graduation requirement by Dec 2026 and is available to start the position from Dec 2026/ Jan 2027 onwards. Trainee program is one year to begin with and possible for extension up to 2 years in total, subject to performance and business needs.

Key Responsibilities

• Prepare regular and ad hoc statistical and analysis reports for the team and head of FSP AP
• Assisting in conducting financial analysis of existing FI counterparties, such as CAMEL analysis on banks, financial statement analysis in order to assess creditworthiness and credit profile on FI counterparties
• Gathering external rating from rating agency such as S&P, Moody and Fitch for the team
• Prepare relevant reports for the FSP AP team such as late rating reports, rating review and annual review schedule
• Tracking and update monthly reports for the FSP AP team such as monthly NAV report for funds
• Assisting in preparing ad hoc requests and reports
• Maintaining accurate and up-to-date credit files and documentation
• Ensure good quality of credit risk management information presented to Credit Committees ensuring consistency, quality, and objectivity of presentation.

Requirements

• University graduate majoring in accounting, business administration or finance, with less than 12 months full time experiences after graduation
• Experience in the banking or finance industry with knowledge in risk management a plus
• Knowledge and experiences with AI tool is a plus
• Good writing skills and excel skills
• Good analytical skills and attention to detail
• Good team player and ability to work under pressure in meeting deadlines.
• Proficiency in financial analysis and accounting principles
• Knowledge of credit risk assessment and evaluation techniques is a plus
• Fluent in written and spoken English. Chinese is preferable but not mandatory

In accordance with the Mandatory Reference Checking (MRC) Scheme implemented by the Hong Kong Monetary Authority (HKMA), a successful candidate for an In-Scope Position who has held a position with an In-Scope Institution in the past 7 years will be subject to a mandatory reference check. For more details, please refer to Mandatory Reference Checking Scheme Phase 2 | The Hong Kong Association of Banks.