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.

This incumbent will maintain comprehensive knowledge of the commercial banking, especially on Small and Medium Enterprise (SME) and corporate loan products and services. S/he will support business and client volume based on the risk appetite of the Bank, accelerating the development of SME and corporate business and enhancing service levels. In addition, s/he will conduct underwriting and post lending management on SME and commercial loan.

Business Development

• Support innovations to SME business and promote sustainable and sound development of the SME services
• Support implementation of the SME development strategies and proactively seize market opportunities to expand client base
• Underwrite loan business, develop and maintain positive business relationship with customers
• Participate in various marketing, prospecting and networking activities to build business relationship for prospective new lending opportunities

Credit Risk Control and Post Lending Management

• Prepare annual reviews, credit related memos, site visits and presentation reports
• Address post lending questions or issues, including updating post lending tickler to ensure receipt of all documents required per loan management

Compliance

• Work and coordinate with Quality Control Unit and BSA section to perform customer account reviews for new and existing loan customers and inform customers of regulatory compliance requirement
• Help define high-risk business character for current portfolio and enhance BSA/KYC and risk rating of commercial loan
• Handle loan business according to all Bank policies and procedures, as well as OFAC/KYC requirements

Customer Service Operations

• Ensure all documents required per loan agreement have been obtained and uploaded to centralized documentation storage

• Review the completeness of loan application, term sheet preparation, arrange appraiser to appraise the value of properties and order credit reports, review appraisal report, engineer, environmental and credit reports

• Prepare credit recommendation report and commitment letter after loan approval, negotiate loan documentation, arrange the closing and prepare the closing documents
• Monitor loan portfolio activities, and escalate any unusual and irregular activities to manager where applicable

• Bachelor’s Degree or above, preferred major in Finance, Economics, Accounting or relevant fields
• Minimum 4 years of corporate lending experience within Banking
• Sound knowledge of due diligence process, regulatory and compliance, as well as credit analysis, Commercial Real Estate, and product knowledge
• Strong knowledge of credit underwriting and portfolio management
• Demonstrate proficiency in Microsoft Word, Excel, Access, PowerPoint
• Bilingual ability in Mandarin and English required