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About the Role

This position will conduct various credit risk management duties, focusing on credit portfolio analysis and risk reporting.

Responsibilities

Lead the estimation process for credit loss allowances, ensuring accuracy and adherence to accounting standards (e.g., CECL, IFRS 9).
Prepare and review internal reports and presentations related to credit losses for senior management and regulatory bodies.
Collaborate with model team and data team to refine methodologies and improve predictive analytics.
Establish and maintain policies and procedures for credit loss estimation and reporting.
Ensure compliance with regulatory requirements and internal controls related to ACL.
Work closely with credit officers, finance, and accounting teams to ensure alignment on credit loss estimation processes and assumptions.
Monitor the Bank’s credit risk profile, including asset quality, portfolio composition changes, concentration, rating migration, and loan provision changes.
Monitor and prepare reports regarding adherence or breach to risk metrics.
Maintain liaison with Head Office for effective communication and channel loans requiring HO approval.
Prepare monthly credit risk reports for the Credit Risk Committee and the Risk Management and Internal Control Committee.
Prepare quarterly credit risk reports for the Board meeting.
Prepare portfolio reports and analysis including Key Risk Indicators, exposure, credit rating, concentration, and exception management.
Provide periodic reports to Head Office, including asset quality, credit risk, credit counterparty risk, and major event reports.
Enhance existing credit policies and procedures in line with industry practice, regulatory guidance, and Head Office guidance.
Assist in the Bank’s communication with regulators and/or auditors regarding credit-related issues.
Coordinate internal/external audits or regulatory examinations, assist the Bank in preparing and responding to requests and questions.
Manage remediation processes, including proposing action plans and tracking remediation progress.
Propose meeting agendas for the Risk Committee.
Prepare and compile meeting materials for the Risk Committee.
Prepare meeting minutes for the Risk Committee.

Requirements

4 years of Credit Risk Management experience required.
Experiences in any of two areas: accounting/CECL/IFRS9, financial data/call report, management level credit risk reporting, programming or policy writing are required.
CECL and accounting knowledge is required.
Demonstrate knowledge in accounting.

Skills

Credit Risk Management
Credit portfolio analysis
Risk reporting
Allowance for Credit Losses Management
CECL
IFRS 9
Predictive analytics
Credit risk monitoring
Asset quality analysis
Loan provisions
Risk metrics
Credit risk policies
Regulatory compliance
Audit liaison
Risk Committee Secretary

Location

Global

Work Type

Full-time

Experience Level

4 years

Education Level

Bachelor's degree in Finance/Economics/Accounting
MBA preferred
CPA/CFA/FRM preferred

Salary/Compensations

USD $65,000.00 - 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.