Your Role and Responsibilities :

• Analyze customer financial profile and identify related risk exposure for different industries client
• Perform analysis and monitor Industry and market risk
• Travel and perform on-site client visits. Report observation and provide risk assessment upon completion of visits
• Serve as a Subject Matter Expert with proactive advice and provide guidance to IBM business units and functional team
• Work independently, make firm/ informed judgement and decision to protect IBM interest, balancing risk and returns
• Provide recommendation or alternative options including deal restructure to enhance IBM’s credit position and enable IBM to win
• Work closely with other regional credit centers in Europe and Americas as well as with global competency leaders in U.S.
• Proactively participate and/or lead on global IBM or credit initiatives and projects

Required Professional and Technical Expertise :

• Possess at least degree in Finance, Accounting, related professional qualification  
• Min. 5 years work experience in credit risk analysis
• S-Topik 5 or 6, graduated from University in Korea, or Korean native speaker
• Able to analyze full financial statement to assess the financial profile of a company
• Meticulous, diligence, strong analytical and problem-solving skills
• Resilient and able to work independently under pressure and meet tight deadlines
• Excellent written and verbal communication skills
• Strong leadership skills and able to provide consistent guidance to younger team members in daily operations
• Ability to engage senior management to manage business escalations
• Able to learn and acquire credit skills quickly to handle more complex deals 
• Possess growth mindset, innovation & agile. Always looking for ways to improve
• Excellent teaming and collaboration skills across functions and with the COE