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.

The associate will be under supervision of senior team members:

• To conduct credit risk evaluations and make recommendations in conformance with Bank’s risk appetite and policies. Implement credit process controls to monitor and maintain the asset quality of the US Branches loan portfolio. Prepare portfolio reporting 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. 

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 the credit risk view with respect to the bankability of credit proposals and their conformity with Bank policies and procedures.

• Provide comments/recommendations on key terms and conditions, approval conditions, policy exceptions, internal risk rating, and ongoing post-lending monitoring requirements.

Portfolio Management:

• Conduct annual and/or quarterly reviews of existing credits as required by Bank Policy. 

• Monitor industry trends and assess impact of industry and/or client specific negative news from a portfolio perspective.

• Conduct exception and pipeline management.

Knowledge and Learning:

• Cultivate relevant industry knowledge.
• Deepen knowledge of banking products and regulatory requirements.
• Demonstrate initiative to acquire necessary knowledge (industry, products, market conditions, policies and procedures) to perform job function.
• Demonstrate progression in learning and application of concepts learned.

• Bachelor's degree in Finance/Accounting/Economics required
• 1 year of mployment 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.   
• Experience in financial statement analysis is required, preferably of companies operating in the banking/financial services and commodities sectors.
• CFA/FRM or CFA/FRM candidate preferred.
• Native in Mandarin Chinese (verbal and written) preferred.