Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Manage credit risks and analyse loan portfolios to minimise losses.
- Company: Join Marks Sattin, a leading financial services firm with a strong reputation.
- Benefits: Enjoy a dynamic work environment with opportunities for professional growth.
- Why this job: Make an impact by ensuring financial stability while developing your analytical skills.
- Qualifications: 2+ years in credit portfolio management; fluent in English and Mandarin.
- Other info: Office-based role, 5 days a week; ideal for those who thrive in a collaborative setting.
The predicted salary is between 36000 - 60000 £ per year.
Principal Purpose of the Job: Responsible for assessing, analysing, and managing the potential risks associated with extending credit to businesses or other entities. Minimise the Bank's credit-related losses by monitoring and analysing the loan portfolio and identifying early warning signals. Achieve the objectives at the portfolio levels while considering risk tolerance, return expectations, and market conditions. Ensure timely delivery and accuracy of internal and external reports. Produce reports in both Chinese and English. Assist the Head/Deputy Head of Credit Management Department with departmental projects and tasks.
Main Responsibilities and Accountabilities:
- Portfolio monitoring: continuously monitor the credit portfolio to identify important messages/early warning signals of distress or deteriorating credit quality by tracking and analysing repayment patterns, financial covenants, internal ratings, country risk, large exposure, and other changes related to credit risk.
- Credit risk control reporting and analysis: prepare regular reports/MI pack for Management, committees, Head Office, regulators, and other relevant stakeholders, providing updates and analysis on credit risk exposure, risk appetite metrics, and other indicators to reflect the effectiveness of risk management strategies.
- Credit risk control: including limit reservations for derivatives and money market.
- Credit Risk Analysis: Evaluate the credit risk impact on the Bank's loan book by monitoring and analysing macroeconomic factors, industry/sector trends, peer performance, products, and other specific in-depth analyses.
- Asset Quality management: accountability assessment of non-performing loans and write-offs.
- IFRS 9 provision model calculating and provision overlay charges memo drafting.
- Other functions and tasks to assist the Head/Deputy Head of Department, such as policy, procedure, and operating manual review and renewal.
Skills Required:
- Possesses a minimum of 2 years' work experience in credit portfolio management.
- Good written and verbal skills in both English and Mandarin are essential.
- An ability to work unsupervised; good time management skills are essential.
- Strong data analysis capability with tools like Excel and Power BI; Python and Access are optional.
- Proficient and skilled with Microsoft Word and PowerPoint.
- Excellent communication and interpersonal skills.
Please note that you will need to be in the office 5 days a week.
For application and accessibility support, please contact your local Marks Sattin office. We are committed to protecting the privacy of all our candidates and clients; please visit our privacy policy.
Credit Portfolio Officer - Marks Sattin FS employer: Marks Sattin FS
Contact Detail:
Marks Sattin FS Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Portfolio Officer - Marks Sattin FS
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management. Understanding current market conditions and how they affect credit portfolios will help you stand out during interviews.
✨Tip Number 2
Brush up on your data analysis skills, especially with tools like Excel and Power BI. Being able to demonstrate your proficiency in these areas can give you a significant edge over other candidates.
✨Tip Number 3
Since the role requires communication in both English and Mandarin, practice articulating complex financial concepts in both languages. This will not only prepare you for potential interview questions but also show your bilingual capabilities.
✨Tip Number 4
Network with professionals in the credit portfolio management field. Attend industry events or join relevant online forums to connect with others who can provide insights or even refer you to opportunities at StudySmarter.
We think you need these skills to ace Credit Portfolio Officer - Marks Sattin FS
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit portfolio management. Emphasise your analytical skills and any specific tools you've used, like Excel or Power BI, to demonstrate your capability.
Craft a Strong Cover Letter: In your cover letter, explain why you're interested in the Credit Portfolio Officer position. Mention your experience with risk assessment and how you can contribute to minimising credit-related losses for the bank.
Showcase Language Skills: Since proficiency in both English and Mandarin is essential, make sure to mention your language skills prominently. If you have any certifications or relevant experiences, include those as well.
Highlight Data Analysis Experience: Detail your experience with data analysis, especially if you've used tools like Python or Access. Provide examples of how you've used data to inform decision-making in previous roles.
How to prepare for a job interview at Marks Sattin FS
✨Showcase Your Analytical Skills
As a Credit Portfolio Officer, you'll need to demonstrate strong data analysis capabilities. Be prepared to discuss your experience with tools like Excel and Power BI, and provide examples of how you've used these skills to assess credit risk or manage portfolios.
✨Bilingual Communication is Key
Since the role requires proficiency in both English and Mandarin, practice articulating your thoughts in both languages. You might be asked to explain complex concepts in either language, so being comfortable switching between them will be beneficial.
✨Understand the Bank's Risk Appetite
Familiarise yourself with the bank's risk management strategies and their approach to credit risk. During the interview, you can discuss how your understanding aligns with their objectives and how you can contribute to minimising credit-related losses.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving abilities in real-world scenarios. Think about past experiences where you identified early warning signals or managed distressed credit situations, and be ready to share those stories.
