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- Tasks: Manage and analyse credit risks while producing reports in both Chinese and English.
- Company: Join a dynamic Commercial Bank located in the heart of London.
- Benefits: Enjoy a collaborative work environment with opportunities for professional growth.
- Why this job: Make an impact by minimising credit losses and enhancing financial strategies.
- Qualifications: 3-5 years in credit portfolio management; fluent in Mandarin and English.
- Other info: Ideal for those who thrive in fast-paced, analytical roles.
The predicted salary is between 36000 - 60000 £ per year.
Our Client, a City of London based Commercial Bank is seeking to hire a Credit Portfolio Officer to join this growing team. The role requires the role holder to be fluent in Mandarin.
Principal Purpose of the Job:
- Responsible for assessing, analysing, and managing the potential risks associated with extending credit businesses or other entities.
- Minimise the Bank’s credit-related losses by monitoring and analysing the loan portfolio and identifying early warning signals.
- Ensure timely delivery and accuracy of internal and external reports.
- Produce reports both in 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 the repayment patterns, financial covenants, internal rating, country risk, large exposure, and other changes related to credit risk.
- Credit risk control reporting and analysis: prepare regular reports/MI pack to the 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 to the Bank’s loan book by monitoring and analyzing macro economy, industry/sector trends, peers performance, products, and other specific in-depth analysis.
- Asset Quality management: accountability assessment of non-performing loans and write-off.
- 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 3-5 years' work experience in credit portfolio management area.
- Good written and verbal skills in both English and Mandarin.
- 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 optional.
- Proficient and skilled with Microsoft Word and PowerPoint.
- Excellent communication and interpersonal skills.
Credit Portfolio Officer - Fluent Mandarin employer: dnevo Partners
Contact Detail:
dnevo Partners Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Portfolio Officer - Fluent Mandarin
✨Tip Number 1
Make sure to brush up on your Mandarin language skills, especially in a business context. Being able to communicate fluently in both Mandarin and English will be crucial for this role, so practice discussing financial concepts and credit risk terminology in both languages.
✨Tip Number 2
Familiarise yourself with the latest trends in credit portfolio management and risk assessment. Stay updated on macroeconomic factors and industry-specific developments that could impact credit quality, as this knowledge will help you stand out during interviews.
✨Tip Number 3
Network with professionals in the banking and finance sector, particularly those who work in credit risk management. Attend industry events or join relevant online forums to connect with potential colleagues and learn more about the expectations for this role.
✨Tip Number 4
Prepare to demonstrate your data analysis skills during the interview process. Be ready to discuss your experience with tools like Excel and Power BI, and consider bringing examples of reports or analyses you've completed in the past to showcase your capabilities.
We think you need these skills to ace Credit Portfolio Officer - Fluent Mandarin
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in credit portfolio management, especially any relevant roles where you assessed and managed credit risks. Emphasise your fluency in Mandarin and English, as this is crucial for the role.
Craft a Compelling Cover Letter: Write a cover letter that specifically addresses the responsibilities outlined in the job description. Mention your experience with credit risk analysis and your ability to produce reports in both Chinese and English. Show enthusiasm for the role and the company.
Highlight Relevant Skills: In your application, clearly outline your data analysis skills, particularly with tools like Excel and Power BI. If you have experience with Python or Access, mention that too, as it could set you apart from other candidates.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any errors. Ensure that your language is clear and professional, and that you’ve used correct terminology related to credit portfolio management.
How to prepare for a job interview at dnevo Partners
✨Showcase Your Language Skills
Since fluency in Mandarin is a key requirement, be prepared to demonstrate your language skills during the interview. You might be asked to discuss your experience or answer questions in Mandarin, so practice speaking about your professional background in both English and Mandarin.
✨Highlight Relevant Experience
Make sure to emphasise your 3-5 years of experience in credit portfolio management. Prepare specific examples of how you've assessed and managed credit risks in previous roles, as this will show your capability to handle the responsibilities outlined in the job description.
✨Prepare for Data Analysis Questions
Given the importance of data analysis in this role, brush up on your skills with Excel and Power BI. Be ready to discuss how you've used these tools in past positions to monitor credit portfolios and produce reports, as well as any experience you have with Python or Access.
✨Demonstrate Strong Communication Skills
Excellent communication is crucial for this position. During the interview, focus on articulating your thoughts clearly and confidently. You may also want to prepare to discuss how you've effectively communicated complex information to stakeholders in the past.
