Job Summary:

The job of the Associate is to assist VP and AVP in the Corporate Banking Section 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 CBD’s policies and procedures, including KYC.

Job Descriptions:

Include but not limited to:

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

• Analyzes real estate and corporate financial status, credit, and perform in-depth due diligence and compliance analysis;
• To correctly reflect the credit requests of the customer & CBD’s recommendations.

Reporting

• To write up Credit Recommendation report (CRR);
• To write up Exception Request;
• To write up research reports.
• To write other assigned reports or presentations.

Compliance and Operation

• Review and 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.

Market Research

• Research and gather market details and intelligence to assist the Account Officers.
• Perform market analysis and due diligence to support and reduce potential risks.

Job 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 commercial real estate underwriting and/or corporate underwriting and/or lending in the banking industry.
• 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.
• Knowledge of Sino-US Trade and economic updates in China.