Job Description

Department / Branch:

Internal Audit Department

Reports To:

Chief Internal Auditor, Internal Audit Department

Employment Type:

Full-Time Permanent / Contract

Location:

Richmond Hill Office

Responsibilities:

Assess the quality of loans in the Bank's loan portfolio to preserve and protect the soundness of the Bank's assets; Conduct scheduled loan review examinations and evaluate individual transactions based on sample selection; Evaluate the underwriting quality of loan applications to ensure compliance with the Bank's Credit Risk Management Manual. Provide findings and recommendations to Branch Management, the Credit Risk Department, and Internal Audit; Ensure that the assessment of transaction risk aligns with the Bank's Credit Risk Management Manual; Prepare assessments and trend analyses of the Bank's loan portfolio on at least a semi-annual basis; Prepare loan portfolio reports with analysis by industry, risk rating, location, watch list status, loan Maturity, and concentration, accompanied by relevant commentary.

Qualifications:

Bachelor's Degree or higher in Finance, Economics, Accounting, Business Administration, or a related field; Minimum of 3 years of experience in credit risk management; Prior experience in credit portfolio quality assurance is strongly preferred; In-depth knowledge of regulatory requirements as well as the Bank's credit policies and guidelines; Solid understanding of the commercial real estate market; Proven ability to assess complex credit portfolios, identify risks and inconsistencies, and recommend improvements; Proficiency in conducting financial analysis and evaluating loan structures, collateral, and covenants risks; Strong communication and interpersonal skills, with the ability to provide constructive feedback and support to enhance credit practices; Proficient written and verbal communication skill in English. Proficiency in Chinese is considered an asset; Professional certifications such as FRM, CFA, CPA, or CCIM are considered an asset.
Job Types: Full-time, Permanent, Fixed term contract

Additional pay:

Bonus pay Overtime pay
Benefits:

Company pension Dental care Disability insurance Employee assistance program Extended health care Life insurance Paid time off Tuition reimbursement Vision care
Schedule:

Monday to Friday
Education:

Bachelor's Degree (preferred)
Experience:

Credit Risk Management: 3 years (preferred)
Work Location: In person