Credit Risk Analyst

Location: HCMC
We are seeking a motivated Credit Analyst to join our Credit Analyst team. The role focuses on credit assessment, portfolio monitoring, and policy support for margin lending activities involving listed companies and related financial markets.
Key Responsibilities
Margin Loan Appraisal Analyze listed companies from a risk perspective and evaluate margin loan requests. Propose credit policies aligned with the company's risk appetite.
Credit Portfolio Management & Monitoring Monitor loan ratios and credit limits in real time. Identify early warning signals for securities used as collateral that present elevated risk and escalate risk alerts to the Head of Risk Management.
Client Engagement Conduct periodic direct meetings with listed companies to gather information required for credit appraisal.
Credit Analysis & Thematic Reporting Prepare regular reports on credit portfolio quality, risk concentration, and early warning indicators for the margin lending book. Produce or coordinate periodic reports including industry analysis of listed companies, government and corporate bond market reports, and money market reports to track macroeconomic trends affecting the margin lending portfolio and other financial assets of MAS.
Credit Policy Development Participate in drafting, reviewing, and updating margin lending policies and the list of eligible collateral securities for margin trading.
Requirements
Bachelor's degree or higher in Finance, Banking, Economics, or a related field.
Strong financial analysis skills and the ability to read and interpret financial statements.
Proficient in Microsoft Excel and Word, with the ability to prepare professional reports in English.
Minimum 1 year of experience in credit appraisal, audit, financial analysis, or risk management at a securities company, bank, or other financial institution.
Knowledge of margin lending and the ability to develop appraisal models for margin loan portfolios based on internal policies and external regulations.
Familiarity with the industries of listed companies, the corporate and government bond markets, and the money market, with the ability to prepare related analytical reports.
Soft Skills & Competencies
Sharp analytical thinking and the ability to form independent assessments.
Capacity to work effectively under pressure and deliver accurate appraisals within tight timelines.
Strong sense of responsibility and high personal integrity.
Ability to collaborate effectively with colleagues within the team and across other departments.
Strong independent working skills combined with effective teamwork.