Secured Loan Risk Manager

• Conduct comprehensive credit risk assessments for margin loan, SME loan, and corporate loan applications.

• Analyze financial statements, industry trends, and economic conditions to evaluate borrower creditworthiness and potential risk factors.

• Develop and recommend loan structures with appropriate collateral requirements and risk-adjusted pricing strategies.

• Monitor existing loan portfolios for signs of potential default and take proactive steps to mitigate risks.

• Prepare credit risk reports and presentations for senior management.

• Identify, assess, and monitor various risks associated with lending, including credit risk, market risk, operational risk, and legal risk.

• Develop and implement risk mitigation strategies, including loan covenants, collateral management procedures, and credit monitoring processes.

• Stay up-to-date on regulatory changes related to margin loans, SME loans, and corporate loans.

• Utilize data analytics tools to analyze historical loan performance and identify trends or patterns.

• Develop and maintain risk models to quantify credit risk and estimate potential losses.

• Prepare regular reports on credit risk metrics, loan portfolio performance, and overall risk exposure.

• Collaborate with loan origination teams to ensure that credit policies and risk management practices are followed throughout the lending process.

• Work closely with the compliance department to ensure adherence to all relevant regulations.

- Education level, certification:

• Bachelor's degree in Finance, Banking, Risk Management, or a related field (FRM or CFA designation preferred)

• Strong analytical skills with proficiency in financial modeling and data analysis tools (e.g., Excel, credit rating models).

• Ability to use technical tools like SQL, Python will be a plus.

• Professional at using English is a must and ability to speak Korean is a plus.

- Experience:

• Minimum of 7+ years of experience in commercial credit appraisal, risk management, credit analysis, or a related field within the financial services industry.

• Proven experience in credit risk assessment for secured credit facilities like asset-backed loans, margin loans, SME loans, and corporate loans.

• Understanding well and ability to build up credit rating system for commercial loans.

• Ability to work independently and manage multiple priorities in a fast-paced environment.

- Individual Characteristics:

• Strong interpersonal and teamwork skills with the ability to collaborate effectively with diverse departments.

• High teamwork spirit.

• Ability to work under high pressure and standalone base.