Real Estate Risk Analyst, Officer Real Estate Risk Analyst, Officer …

in Hong Kong, Hong Kong, Hong Kong
Permanent, Full time
Be the first to apply
in Hong Kong, Hong Kong, Hong Kong
Permanent, Full time
Be the first to apply
Real Estate Risk Analyst, Officer
The Real Estate Risk Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Oversee risks taken in connection with real estate activities which includes extension of credit that are secured by liens on or interests in real estate, direct and indirect private equity and public market real estate investments, capital markets, construction lending, servicing any consumer or commercial loan undertaken when real estate security or real estate activity, or an asset sale, or a refinancing is contemplated as a first way out.

·Manage the risk / reward dynamics for the Bank's Mortgage portfolio through ongoing validation, rationalization and formulation of overall credit strategy and policies and procedures pertaining to the entire risk management credit cycle to assure a strong governance model and risk culture
·Conduct data analysis using SAS to fine-tune the acquisition / portfolio management strategies in order to optimize risk and reward trade-off
·Monitor the portfolio mix and ensuring product performs to profitability, risk benchmarks and corporate guardrails
·Participate in the development and monitoring the performance and effectiveness of statistically models
·Prepare and timely submit regulatory reports
·Ensure compliance to all local and U.S. Laws and regulatory guidelines and Global policies and procedures
·Ensure all credit processes are in compliance with company policies and requirements set out by regulators through effective execution of control programs such as self-assessment, quality assurance, application audit
·Collaborate with other functions such as Product, Credit operations, Finance, Technology etc. to drive various business initiatives and proper execution on risk control and portfolio actions
Required Qualifications:
· Degree holder in Qualitative Analysis, Mathematics, Statistics, Accounting, Economics or other related Quantitative disciplines
· Minimum 5 years' of experience in consumer credit and risk management
· Analytical and logical with proficiency in data analysis using statistical or database program e.g. SAS, Access or Excel
· Self-initiative, effective communication and interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness
· Strong knowledge and experience in managing credit scorecards, stress testing, segmentation and Basel models
Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - HK------------------------------------------------------
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