Risk Analyst-Credit Risk

eFinancialCareers Ltd.; Hong Kong; On-site; HKD 900,000 - 1,300,000; Full time

Job summary

CICC in Hong Kong is seeking a Credit Risk Analyst to conduct client credit assessments across EQ, FICC and Wealth Management, perform due diligence, and monitor credit status. The role involves reviewing credit terms, margin loan agreements, and risk controls, and preparing risk reports for senior management.

The successful candidate will participate in stress testing, risk screening, and credit risk evaluations for new products, while collaborating with front office and internal departments to

Qualifications

• Master's degree or above in Finance, Economics, Mathematics, or related field.
• 1-8 years of relevant credit risk management experience.
• Strong understanding of financial markets and products.
• Knowledge of regulatory frameworks related to credit risk.

Responsibilities

• Conduct clients’ credit assessments for EQ, FICC and Wealth management businesses.
• Perform due diligence on clients and monitor credit status.
• Review and negotiate credit terms on margin loans and OTC derivatives.
• Review credit limit/rating and advise senior management on approvals.
• Prepare daily credit reports and monitor exposures (PFE, EAD).
• Update credit risk policies and conduct stress testing and risk screening.
• Assess credit risk for new products and provide ad hoc support.

Skills

Credit risk management

Analytical skills

Leadership potential

Communication skills

bilingual Chinese-English

Education

Master's degree in Finance, Economics, Mathematics, or related field

Job description

Job Description岗位描述• Conduct clients’ credit assessments for EQ, FICC and Wealth management businesses.对股票、固定收益和财富管理业务项下客户进行信用评估。• Conduct due diligence on clients and perform ongoing monitoring the credit status of our clients.对客户进行尽职调查和持续对客户的信用状况进行评估。• Assist in reviewing and negotiating of credit terms on margin loan, structure products and OTC derivatives agreements (i.e. ISDA, GMRA, GMSLA)协助审阅及协商保证金贷款、结构化产品及场外衍生品协议中的信用条款• Review and assess margin rules methodologies for various products, e.g equity, bond, options, fund, structure products.审阅并评估不同产品（如股票、债券、期权、基金、结构化产品）的保证金业务所适用的保证金规则及方法。• Review and assess credit limits and ratings as well as providing recommendations to senior management for credit limit approval.审阅并评估信用额度及评级，并向高级管理层提供建议以供其审批信用额度。• Prepare daily credit reports and monitor credit exposures e.g. PFE and EAD exposure, across EQ, FICC and Wealth management businesses.编制日常信用风险报告，监控各业务的信用风险敞口。• Review and update credit risk management policies and procedures, ensuring the effective implementation of credit risk controls.审阅并更新信用风险管理政策与流程，确保信用风险控制措施有效实施。• Conduct regular credit risk stress testing and risk screening to identify potential risks.定期开展信用风险压力测试及风险排查，以识别潜在风险。• Conduct credit risk assessments on new products/businesses applications.对新产品/新业务申请进行信用风险评估。• Support ad-hoc requests from business departments and other internal clients.支持业务部门及其他内部客户的临时需求。Qualifications任职资格• Master's degree or above in Finance, Economics, Mathematics, or a related field.金融、经济学、数学或相关专业硕士或以上学位。• 1-8 years of relevant credit risk management experience within an investment bank or financial institution.具备1-8年在投资银行或金融机构从事信用风险管理的相关经验。• Strong understanding of financial markets and products, including but not limited to cash equities, equities derivatives, fixed income, commodities, futures etc.深刻理解金融市场及各类产品，包括但不限于现金股票、股票衍生品、固定收益产品、大宗商品及期货等。• Sound knowledge of regulatory frameworks and requirements related to credit risk management.熟悉与信用风险管理相关的监管框架及要求。• Sound and solid analytical and problem-solving skills, with the ability to identify and assess counterparty risks models.具备扎实的分析及解决问题的能力，能够识别并评估交易对手风险模型。• Proven potential leadership and team management skills, with the ability to effectively collaborate and communicate with front office and other internal departments。具备领导潜力及团队管理能力，能有效与前台及其他内部部门协作沟通。• Solid communication and presentation skills.具备良好的沟通及表达能力。• Good verbal and written communication skills in both Chinese and English.中英文口头及书面表达能力良好。• Professional certifications such as FRM or CFA are desirable.拥有FRM、CFA等专业资格认证者优先。DisclaimerCICC 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.