The posting
Job Description
Risk Officer
The Risk Officer supports the Branch's risk management and governance functions through credit risk monitoring, portfolio analysis, KYC review, management reporting, and liaison with Head Office.
The role is designed to provide broad exposure to various middle office functions, including credit risk management, customer due diligence, portfolio monitoring, covenant management, stress testing, committee secretariat duties, and audit support.
The successful candidate will work closely with Branch Management and relevant stakeholders across the Bank and will also be involved in ad hoc projects and assignments as directed by Branch Management. This position is well suited for individuals seeking to develop a broad understanding of banking operations and risk management within an international banking environment.
Key Responsibilities
1. Credit Risk Monitoring and Portfolio Management
• Monitor the Branch's credit portfolio and identify emerging risks.
• Conduct portfolio analysis and prepare periodic credit risk reports.
• Perform annual reviews, credit grading reviews, and covenant management activities.
• Monitor covenant compliance and support follow-up actions, including waiver requests and breach management.
• Support the monitoring and ongoing administration of project finance and other lending transactions.
• Perform stress testing and scenario analysis to assess portfolio resilience.
• Assist Branch Management in monitoring asset quality and concentration risk.
2. KYC and Customer Due Diligence Review
• Review KYC and customer due diligence documentation prepared by business units.
• Conduct independent verification and risk-based assessment of customer profiles.
• Identify potential AML/CFT concerns and escalate issues where appropriate.
• Support periodic KYC reviews and customer onboarding processes.
• Coordinate with the Compliance Manager on KYC-related matters.
• Act as a checker for KYC reviews, with final approval and oversight provided by the Compliance Manager.
3. Management Reporting and Head Office Liaison
• Prepare risk management reports for Branch Management, Head Office, and regulatory authorities.
• Act as secretary for the Branch Credit Risk Committee, including preparation of meeting materials and minutes.
• Coordinate and respond to information requests from Head Office and relevant stakeholders.
• Support information gathering, analysis, documentation, and coordination with Head Office in relation to project finance and other credit transactions.
4. Risk Analysis and Stress Testing
• Support the maintenance and enhancement of portfolio monitoring tools and risk metrics.
• Conduct stress testing and scenario analyses and prepare related reports.
• Analyze portfolio trends and provide management information to support decision-making.
5. Other Responsibilities
• Perform any other duties, projects, or assignments as directed by the General Manager and Risk Manager.
• Support ad hoc initiatives, management projects, and process improvement activities as required.
Requirements
• 2-5 years of relevant experience in banking, financial services, risk management, credit analysis, KYC/AML, audit, or related functions.
• Basic understanding of corporate lending, credit risk, and financial statement analysis.
• Strong analytical, communication, and coordination skills.
• Ability to manage multiple responsibilities simultaneously.
• Proficiency in Microsoft Excel, PowerPoint, and report preparation.
• Business proficiency in English.
• Japanese language capability would be an advantage.
We regret to inform that only shortlisted candidates will be contacted.



