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Financial Institutions Department - Credit AVP / Associate

Financial Institutions Department - Credit AVP / Associate

Bank of China USANew York, NY, US
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Bank Of China Credit Analyst

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.

Responsibilities

Credit Portfolio Maintenance / Credit Officer

  • Conduct in-depth thorough analysis of new credit requests, credit change requests, renewals and annual customer relationship reviews
  • Report any findings that may have an adverse effect on loan collateral or borrower's ability to pay / repay the loan
  • Present detailed credit analysis to relevant parties (e.g. Loan Officers)
  • Ensure all credit files are complete with supporting documentation
  • Perform annual file reviews
  • Update CRR and Credit Usage Tracker
  • Complete any credit related tasks / assessments requested by 2nd line in a timely manner
  • Participate in internal and external audit request, and take remediation actions is needed
  • Participate in special projects and other duties as assigned

Credit Review and Ongoing Screening

  • Conduct due diligence on CRR entities in accordance to bank policies, procedures and regulatory requirements
  • Report any unusual credit activities to supervisor and Department Head
  • Review loan files as needed to ensure quality, consistency, and compliance with regulatory requirements
  • Performing quality assurance and editorial function for the credit recommendation report and proposal
  • Customer Service

  • Perform liaison functions for FI customers and relevant business departments to resolve their inquiries
  • Actively support new type of customer and new product onboarding
  • Qualifications

  • Bachelor's degree in business, accounting, computer science, economics, mathematics, finance or statistics required; Master's degree preferred
  • At least 4 years of work experience of credit risk management required for AVP; At least 1 year of work experience of credit risk management required for Associate
  • Excellent written and verbal communication and interpersonal skills required
  • Must be organized and detail orientated with follow-up skills
  • Knowledge of credit risk, financial and statistical analysis, credit administration, policies and procedures, and regulatory compliance is required
  • Effective credit report writing skills required
  • Pay Range

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

    USD $42,000.00 - USD $150,000.00 / Yr.

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