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 be responsible for conducting credit risk evaluations and make recommendations in conformance with Bank’s risk appetite and policies, implementing credit process controls to monitor and maintain the asset quality of loan portfolio, and preparing portfolio reporting and other reports. In addition, s/he will update Credit Risk Policies and Procedures to reflect changes in internal and regulatory guidelines, as well as conduct relevant industry and product research for presentation to management. At the AVP level, the incumbent will also assist Front Office account officers with loan structuring, loan exposure management and on-site due diligence as needed.

Include but are not limited to:

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 Bank’s 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

• Bachelor’s degree is required, preferably in Finance/Economics/Accounting major; MBA preferred
• Minimum 3 years of Credit risk management and financial statement analysis experience
• Demonstrate broad knowledge of the commodities sector and sub sectors, including energy, agriculture, and metals and mining, with experience covering financial institutions a plus
• At the AVP level, demonstrate sound knowledge of credit markets and products including, but not limited to, corporate lending, trade and commodities finance, structured products, FX and derivative
• Bilingual ability in Mandarin is required
• CFA/CPA/FRM is preferred