Credit Risk Senior Analyst

Overview

Credit Risk Management (CRM) is an independent group under the direction of the Chief Credit Officer (CCO), who reports to the Chief Risk Officer (CRO), responsible for the enterprise-wide credit risk oversight at Manulife. CRM has the mandate to promote a culture of risk awareness across all levels of the organization and has the responsibility to establish and maintain Manulife’s credit risk management framework. This position will play a key role in the Credit Risk Management group’s mandate of Portfolio Oversight of the Manulife General Account by way of Portfolio Stress Testing and Independent Credit Review of various Investment desks.

• Provide oversight of the Manulife Bonds, Commercial Mortgages and Alternative Investments portfolio through stress testing exercise using various tools (Risk Frontier, Portfolio Studio, etc.) used by the company.
• Perform what-if analysis, multi-factor stress tests and reverse stress tests to identify credit rating migration, credit/expected losses, earnings/reserve impacts and capital requirements under various stress macroeconomic conditions.
• Prepare spreadsheets, reports and power-point presentations. Present stress test results and findings to Senior Management, including Credit Committee.
• Perform detailed credit analysis for selected samples credit from various industry sectors and opine on a) the appropriateness of the assigned credit rating, b) the adequacy of the risk and credit analysis included in the review, and c) any emerging risks inherent in the credit.
• Draft Credit Review Summary reports to include CRM’s detailed findings/issues/observations related to the completed Credit Reviews to be submitted to the relevant Investments Desk and to Credit Committee.
• Prepare independent research reports for Credit Committee and Senior Management on topical issues and trends, assessing their impact on Manulife’s credit portfolio.
• Lead the CRM (Alternative Long Duration Assets) risk rating tool/framework process to provide granularity on the degree of risk present in individual ALDA investment assets.
• Prepare detail ALDA performance tracking and monitoring reports for the Senior Management
• Maintain the ALDA performance tracking model and make changes/suggest improvements as necessary.
• Assist with the credit analysis of reinsurance counterparties as needed and in managing the risk of reinsurance exposures.

• Minimum 4-5 years of experience in credit risk analysis , underwriting or adjudication of corporate credit/debt products in a large financial institution; solid experience in Corporate Credit Portfolio Management will also be considered
• Excellent data analysis skills using large spreadsheets; ability to summarize a large amount of data into concise reports and presentations for senior management
• Intermediate programming language and coding skills (VBA, Python, R Studio, etc.) required
• Strong communication skills (oral and written), as well as solid presentation skills
• Collaborative approach and strong interpersonal skills
• High proficiency with Microsoft Office (Excel, PowerPoint and Word) applications
• Strong prioritization skills and ability to multi-task in a fast-paced environment

• We’ll empower you to learn and grow the career you want.
• We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.
• As part of our global team, we’ll support you in shaping the future you want to see.

宏利金融公司是一家業界領先的國際金融服務商，致力於幫助人們實現「輕鬆投資理財，樂享豐盛人生」。若要進一步了解我們，請瀏覽

在宏利／恒康，我們擁抱多元。我們致力於吸引、培養及挽留和所服務客戶同樣多元的員工，並從而營造包容的工作環境，接納文化和個體差異。我們矢志維持公平的招聘、挽留、晉升及薪酬制度，我們管理的所有實踐及項目不會因種族、血統、原籍地、膚色、族裔、國籍、宗教或宗教信仰、信仰、性別（包括懷孕及其相關情況）、性取向、遺傳特徵、退伍軍人身份、性別認同、性別表達、年齡、婚姻狀況、家庭狀況、殘疾或受適用法律保護的任何其他因素而區別對待。

我們的首要任務是消除障礙，為員工提供平等就業機會。人力資源部代表將盡力為應徵過程中提出要求的申請人提供合理協助。申請人要求提供協助所分享的信息將會按照適用法律及宏利／恒康政策儲存及使用。應徵過程中如需協助，請聯絡 。

Hybrid