銀行 banking career 你問我答 (2)

我答果時focus係事後(即係佢無錢點搞)
都係大路野
1. 賣你個exposure 俾人
2. Renegotiate d terms & covenant
3. 用company asset做collateral Raise additional debt 新債還舊債
4. 搵Mezzanine financing / shareholders capital
5. 收fee同佢Postpone interest payment
6. distressed M&A 賣asset還債

你credit risk 可能集中係事前夠d
點計 E(Loss), RORAC, prepayment/ collateral
*利申可能錯
我無乜點準備同溫過書

又分化

都真
credit risk 可能集中係market 多過間公司
我唔太熟

Banking 只需要你識加減乘除, 砌PowerPoint, 簡單excel
risk 果邊對精算需求會多d

咁多間bb姐係邊間
我都想做 留tg 討論下

High yield bond / loan冇liquidity 都好似會豬到仆街

Management case 吹得夠勁就唔驚無人接火棒

但係報十間都無一個interview 到底咩人先有得 in
fixed income 會唔會好窄 追左成個PO 好似無乜人分享呢個

你搵intern定grad呀？

想揾 grad

你想做risk?
有咩intern?

Fixed income嘅咩先？

想呀 但係好似唔係好夠其他人爭唯有睇下其他有冇機
intern 都係精算 做完至知極度唔中意

有冇 modeling
除左唔想跑數我都 ok

咁建議你讀個master先

Risk其實唔難入 你無interview應該係你cv寫得差

係cpa

Banking talent program 有無用
可唔可以試下