Introduction:
Established in 1912, Bank of China is one of the largest banks in the world, with over $3 trillion in assets and a footprint that spans more than 60 countries and regions. Our long-term outlook, institutional weight and global breadth provide our clients with a stable and reliable financial partner, whether in Corporate or Personal Banking or our Trade Services, Commodities, Financial Institutions and Global Markets lines of business.
Overview:
The incumbent will assist in 1) filing report of clients and market; 2) exploring the local market and maintain sound business relationship with corporate clients and commercial mortgage loans (CM) as needed; 3) supporting a portfolio of syndicated loans; 4) conduct post-loan management to ensure all the loan activities are in accordance with the Corporate Banking Department’s policies and procedures, including KYC.
Responsibilities:
Include but are not limited:
Credit Analysis
- CRE: Proficiency in spreadsheet analysis, rent rolls, ratio calculation and analysis, cash flow projection & analysis. Skills of sensitivity test and scenario analysis.
- C&I: Proficiency in spreadsheet analysis, ratio calculation and analysis, cash flow projection & analysis. Skills of sensitivity test and scenario analysis.
- Ability to identify credit risks and derive ways to mitigate them.
Due Diligence Review
- Analyze real estate and corporate financial status, credit, and perform in-depth due diligence and compliance analysis.
- Correctly reflect the credit requests of the customer & Corporate Banking Department’s recommendations.
Compliance and Operation Review
- Monitor transaction activities to ensure all transactions are in compliance with the Bank’s policy and procedures
- Address and follow-up on compliance issue and refer escalated and/or complex issues to higher levels.
- Attend BSA, AML, and KYC seminars and training.
- Perform Policies and Procedures Review on a semi-annual basis to look for further enhancement to the policy.
- Understand, comply with and monitor the activities, if necessary, of all applicable laws and regulations regarding anti-money laundering, Bank Secrecy Act, currency transaction reporting, and suspicious activity reporting.
Reporting and Market Research
- Write up Credit Recommendation report (CRR), Exception Requests, research reports, and other assigned reports or presentations.
- Research and gather market details and intelligence to assist the Account Officers.
- Perform market analysis and due diligence to support and reduce potential risks.
Qualifications:
- Bachelor’s degree required; major in Finance, Economics, Business Administration or Accounting is preferred but not required.
- 3 years of experience in commercial corporate banking, or underwriting, or lending in the banking industry, or other related experiences required for Associate level; 4 years of experience in commercial corporate banking, or underwriting, or lending in the banking industry, or other related experiences required for AVP level.
- Demonstrate understanding of financial statement, and ability to calculate and analyze related financial ratios are required.
- Demonstrate sound knowledge in Sino-US Trade and economic updates in China, and excellent analytical, interpersonal, verbal and written communication skills.
- CFA, CPA or Formal Credit training is preferred but not required.
- Bilingual ability in Mandarin is preferred.
Pay Range
Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications.
:
USD $42,000.00 - USD $150,000.00 /Yr.