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 Associate will be under supervision of senior team members :
To conduct credit risk evaluations and make recommendations in conformance with Banks risk appetite and policies. Implement credit process controls to monitor and maintain the asset quality of the US Branches loan portfolio.
Prepare portfolio and other reports.
- To update Credit Risk Policies and Procedures to reflect changes in internal and regulatory guidelines.
- To conduct relevant industry and product research for presentation to management.
Responsibilities : Credit Risk Review
Credit Risk Review
- Evaluate and analyze borrowers creditworthiness on assigned proposals and prepare in depth analysis
- Analyze all aspects related to credit requests submitted by business units, including but not limited to facility structure, historical and projected financial performance, management, industry, market conditions , and third party reports in timely fashion
- Independently challenge and critique business units credit proposals and document key points accordingly
- Articulate credit risk view with respect to the bankability of Front Office requests and their conformity with the Banks policies and procedures.
- Provide comments / recommendations on key terms and conditions, approval conditions, policy exceptions, internal risk rating and post-lending requirements
Portfolio Management
- 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
- 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
Qualifications :
- Bachelors degree is required, preferably in Finance / Economics / Accounting major; MBA preferred
- Minimum 1 year of employment with a financial institution in a lending, portfolio manager or analyst role, preferably with experience covering commodities companies required.
- Experience covering financial institutions is a plus
- CFA / FRM or CFA / FRM candidate preferred.
- Experience in financial statement analysis is required, preferably of companies operating in the banking / financial services and commodities sectors.
Pay Range
Actual salary is commensurate with candidates relevant years of experience, skillset, education and other qualifications.
USD $42,000.00 - USD $90,000.00 / Yr.
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