Credit Risk Analyst

7 days ago

Toronto, Ontario, Canada KEB Hana Bank Canada Full time

Job Title:
Credit Risk Analyst

-
Dept

/Br:

Credit Department
  • Credit Planning
-
Reports to:Manager, Credit Department
  • Credit Planning and Vice President, Credit Department
  • Credit Planning

JOB SUMMARY
"Credit Risk Analyst" is responsible for completing analysis, submissions for portfolio monitoring reports to related stakeholders and conducting research & advising the team. This individual will provide assistance to all bank parties in relation to various credit activities and ensures appropriateness of loan data as well as compiling related loan information.

DUTIES AND RESPONSIBLITIES

  • Compiles data to support a variety of reporting requirements which could include preparation of delinquency, excess, watch list, exception monitoring, loan transaction, and credit risk oversight reports. Generates other regularly scheduled or adhoc reporting for the division as required
  • Prepare monthly, quarterly and annual loan related reports for parent bank, the Bank of Canada, the Office of the Superintendent of Financial Institutions (OSFI)
  • Supports all written communications by drafting correspondence and coordinating followup; produces a variety of documents including reports, various documentations; composes correspondence as requested for V.P. of Department's signature
  • Monitors specific market trends, and upload of credit related information as required.
  • Creates professional PowerPoint, audiovisual graphic presentations, and special projects and proposals; assists in the development of content by further research as required.
  • When V.P. or senior leadership chair meetings, prepares agenda in advance, assists with and provides research/background information, content development, creates presentations, records meeting minutes, and ensures proper followup is completed as required.
  • Assist V.P. of department to provide impact analysis on bankwide credit operations, including loan policy, guideline, and procedure
  • Manage and review the adequacy and accuracy of Expected Credit Losses (ECL) and staging of credit portfolio
  • Monitor and review performance of Retail & Commercial Credit Risk Rating Model. Assess any potential and identify & escalate any issues in the model and propose revising / redevelopment model
  • Reviews anomalies of the data outputs indicate gap with the integrity of the data (completeness and accuracy)
  • Prepare monthly, quarterly and annual loan related reports for parent bank, the Bank of Canada, the Office of the Superintendent of Financial Institutions (OSFI)
  • Identify and manage the loan portfolio limits and interact with all stakeholders in the bank. Also, perform eon specific loan portfolio limits
  • Reviews anomalies of the data outputs indicate gap with the integrity of the data (completeness and accuracy)
  • Manage the bank's loan documentation standard and report any gaps noted to V.P. of department
  • Facilitate meetings, assign and/or produce action items, work with external vendors, and prioritize assignments to ensure timely completion of projects and deliverables
  • Oversight the bank's list of designated appraisers, environmental assessor, and other suppliers
  • Responds to requests for information from internal and external auditors
  • Work collaboratively on special projects and assignments when required.
  • Other duties as assigned.

SKILLS

  • Strong analytical skills with the ability to collect, organize, analyze vast amounts of data with attention to detail and accuracy
  • Proven ability to effectively manage and analyze data. Ability to effectively manage commercial and retail loan portfolios, improving credit quality and overall performance
  • Familiar with bank policies and procedures
  • Knowledge of accounting principles and concepts related to loan accounting;
  • Highly knowledgeable of lending laws, regulations, and compliance requirements;
  • A solid understanding of databases and querying
  • Advanced working knowledge of Excel
  • Excellent communications skills; both written and verbal (Korean & English)
  • Excellent organizational and multitasking skills
  • Excellent attention to detail
  • Preferable to have moderate level of credit skills

QUALIFICATIONS

  • Bachelor's degree in quantitative discipline (Mathematics, Economics, Computer Science, Statistics, Engineering, etc.) required
  • Completed a relevant certificate, diploma, degree or designation program.
  • Strong statistical and analytical skills required
  • An equivalent combination of education and experience may also be considered.

Job Types:
Full-time, Permanent

Benefits:

  • Company pension
  • Dental care
  • Extended health care
  • Life insurance
  • Vision care

Schedule:

  • Monday to Friday

Ability to commute/relocate:

  • TORONTO, ON: reliably commute or plan to relocate before starting work (required)

Experience:

- underwriting: 1 year (preferred)

Language:

  • Korean (required)

Work Location:
One location

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