Senior Specialist, Credit Risk

3 days ago

Ho Chi Minh City, Ho Chi Minh, Vietnam Maybank Investment Bank (Vietnam) Full time

JOB PURPOSE

  • To perform credit activities strictly and in accordance with the approved policies/ regulations.
  • Perform and monitor credit approval in accordance with the rules of the company and follow regulatory provisions.
  • Fully comply with the policies and regulations of the company and the legal system in order to minimize risks.

RESPONSIBILITIES

1. Credit analysis & Bond Assessment

  • Conduct credit due diligence and risk assessment on corporate bond issuers, including financial statements, capital structure, cash flow, and repayment capacity.
  • Analyze government bonds, corporate bonds, and other fixed-income instruments.
  • Perform internal credit rating and scoring for each issuance.

2. Credit risk & Margin

  • System & Limit Management: Update purchasing power, margin ratios, and limits in the system; review and maintain the marginable stock list.
  • Account Monitoring: Track margin account status, market movements, and concentration risks (single counter & single client exposure).
  • Risk Control & Actions: Notify brokers/customers of margin calls; coordinate with relevant departments to initiate forced sales; send SMS notifications to clients.
  • Advisory & Support: Provide credit advisory/guidance to business units.
  • Reporting & Compliance: Prepare reports for local/regional management and regulatory authorities.

3. Implement Risk projects

  • Make detail plans and collaborate with related parties to implement the projects.
  • System enhancement
  • Detect and describe detailed bugs/ problems of system to manager/ project team.
  • Collaborate with other departments to find out solutions to solve problems/ enhance system.

4. Report & data storage

  • Prepare periodical reports for local, regional management and regulators.
  • Export and store daily data.
  • Non- Financial Risk Management (Supporting role)
  • Operational Risk: Support ORO in conducting RCSA, KRI & IMDC.
  • BCM: Support risk team in conducting analysis & Assessment process (BIA, RA), Exercises (DRE, CTE, CSE, LSO, DRE).
  • Information risk: support in conducting periodical premises sweep, surprise check and reports.
  • Performs other duties as assigned by Head of Risk
  • As request.

QUALIFICATIONS

1. Education

  • Bachelor degree in economics.
  • SSC licensed for brokerage is preferred.
  • Comprehend the financial/economic knowledge.
  • Strong understanding of the Vietnam's bond market, fixed- income products.

2. Experience

  • At least
    03 years of experience
    in credit analysis, bond assessment, risk management, or financial audit…
  • Experience with credit rating models and cash flow analysis.

3. Skills & Competencies

  • Careful, Independent, responsible and collaborate in a team environment.
  • High skills in computation and using office computer, especially Excel.
  • Knowledge of securities, securities market. Updated knowledge about the economic situation Social and legal provisions relevant.
  • Ability to work under pressure and meet tight deadlines.

HOW TO APPLY

Send your CV to Talent Acquisition Team at

(Ms. Khue Mai).

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