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

This position is responsible for assisting the team with loan underwriting, post lending management, KYC, and other task assigned by branch management or team lead.

Responsibilities

Include but not limited to:

Operational Support

• Perform due diligence on customers
• Create loan tracker for the team about the due date for Annual reviews, Quarterly reviews;
• Perform post lending management based on the requirements set in the credit agreement and P&P;
• Prepare loan related documents for audit requests, and coordinate with QCU to facilitate the communication
• Participate in new system testing and provide comments on behalf of the team;
• Work with OSD for loan booking and drawdown
• Other tasks assigned by branch management or team lead

Loan Underwriting

• Perform due diligence and other compliance related checks on new accounts;
• Prepare credit report and submit to CBD manager to review;
• Calculate and analyze the key financial ratios, and conduct stress test to ensure that the credit proposed comply with the credit agreement as well as internal credit risk policy and guidelines in the loan tenor;
• Prepare financial and compliance analysis for supervisor review;
• Prepare summary of case and seek approval from CAC;
• Propose change of credit rating if applicable

Compliance and Risk Control

• Review and monitor transaction activities to ensure all transactions are in compliance with the Bank’s policies, procedures and regulatory requirements;
• Follow-up on compliance issues and escalate when necessary;
• Monitor negative news for existing clients and notify CRM and management if there is any risk;
• work with QCU to provide documents required by the auditor and legislator, and answer their questions in a timely manner;
• Work with QCU to provide documents required by the auditor and legislator, and answer their questions in a timely manner;
• Keeping abreast of regulatory updates by attending trainings, webinars and seminars Understand and comply with bank policies, procedures and regulatory requirements

Qualifications

• Bachelor’s degree with major in Finance, Accounting, Economics, Business Administration and other related disciplines is required; a master degree or above is preferred.
• 1-3 years of work experience in Corporate business relationship experience
• Financial/banking industry knowledge;
• Law knowledge;
• Regulatory and compliance knowledge;
• Bank Risk Governance Framework knowledge;
• Knowledge of Sino-US Trade and economic updates in China
• Ability to analyze business periodicals, prepare business correspondence, work procedures and manuals, and present business proposals;
• Ability to spread financial statement, calculate and analyze related financial ratios;
• Ability to multi-tasks, adapt well to changing priorities, and effectively prioritize workflow to meet critical deadlines;
• Excellent analytical, interpersonal, verbal and written communication skills;
• Proficient in Microsoft Outlook, Word, Excel, and PowerPoint.
• CFA or Formal Credit Training preferred
• Bilingual in English and Chinese.

Pay Range

Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications.