Senior Specialist, Credit Risk - Securities

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

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.

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.

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.

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

*Education

Bachelor degree in economics.

SSC licensed for brokerage preferable.

Comprehend the financial/economic knowledge.

Strong understanding of the Vietnams bond market, fixed- income products.

*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.

*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.