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About the Role
The incumbent will be responsible for conducting credit risk evaluations and making recommendations in conformance with the Bank’s risk appetite and policies. This role involves implementing credit process controls, monitoring asset quality, updating Credit Risk Policies and Procedures, conducting industry research, and preparing portfolio reporting.
Responsibilities
- Review and analyze credit requests submitted by Front Office in all aspects under minimal supervision, including limit structure, historic financial performance, assumptions used to prepare base case and stress case financial projections, management, industry, market and economic conditions and third party reports.
- Provide and document recommendations to Front Office credit proposals.
- Articulate credit risk view with respect to the bankability of Front Office requests and their conformity with the Bank’s policies and procedures.
- Provide comments/recommendations on key terms and conditions, approval conditions, policy exceptions, internal risk rating and post-lending monitoring requirements.
- Assist account officers with loan structuring, loan exposure management and on-site due diligence as needed.
- Conduct annual and/or quarterly reviews of existing credits as required by Bank policy.
- Monitor industry trends and assess impact of and/or client specific negative news from a portfolio perspective.
- Conduct exception and pipeline management.
- Develop relevant industry knowledge particularly for assigned portfolio, and expertise in banking products and regulatory requirements.
- Demonstrate initiative to acquire necessary knowledge (industry, products, market conditions, policies and procedures) to perform job function.
Requirements
- At least 3 years of C&I corporate credit risk and underwriting experience is required for Associate level.
- At least 4 years of C&I corporate credit risk and underwriting experience is required for AVP level.
- Demonstrate sound financial analysis and modeling skills.
- Demonstrate understanding of credit risk management.
- Demonstrate knowledge of C&I industry.
Skills
- Financial analysis
- Financial modeling
- Credit risk management
- Underwriting
- Portfolio management
- Industry research
- Bilingual ability in Mandarin is a plus
Experience Level
- Associate level
- AVP level
Education Level
- Bachelor’s degree required, preferably in Finance/Economics/Accounting major
- Master’s degree/MBA/CFA is preferred
Salary/Compensations
- USD $42,000.00 - USD $150,000.00 /Yr.
About the Company
- 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.