Credit Risk Analyst Korean*
North York, ON, Canada
Job Description
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- Job Title: Credit Risk Analyst
- Dept./Br.: Credit Department \xe2\x80\x93 Credit Planning
- Reports to: Manager, Credit Department \xe2\x80\x93 Credit Planning Vice President, Credit Department \xe2\x80\x93 Credit Planning
- 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 ad-hoc 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 follow-up; produces a variety of documents including reports, various documentations; composes correspondence as requested for V.P. of Department\xe2\x80\x99s 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.
- General administrative duties; coordinates calendars, logistical requirements for on-site and off-site meetings, creates and distributes meeting materials, organizes travel arrangements, and prepares expense claims. Handles e-mail, correspondence, and assists with projects and initiatives 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 follow-up is completed as required.
- Assist V.P. of department to provide impact analysis on bank-wide 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\xe2\x80\x99s 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\xe2\x80\x99s 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.
- 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
- Excellent computer skills in Microsoft Office applications
- Advanced working knowledge of Excel
- Excellent communications skills; both written and verbal (Korean & English)
- Excellent organizational and multi-tasking skills
- Excellent attention to detail
- Preferable to have moderate level of credit skills
- Bachelor\xe2\x80\x99s 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.
- Company pension
- Dental care
- Extended health care
- Life insurance
- Vision care
- Monday to Friday
- North York, ON: reliably commute or plan to relocate before starting work (required)
- Credit Risk: 1 year (preferred)
- Korean (required)
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Job Detail
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Job IdJD2143714
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationNorth York, ON, Canada
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EducationNot mentioned