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.

*To be eligible for campus recruitment program, you can only apply for 1 position within the U.S. Branches.

The Credit Associate will perform credit analysis on various types of loans and conducts the annual review of credit limits. In addition to administer and maintain superb relationships with Financial Institutions to expand the bank’s customer base and increase the business with each in correspondent in accordance with established policy and procedures. This role will also need to coordinate with the Compliance Department, Credit Risk Management Department and Internal Audit Department to ensure the bank relationships follow the most up-to-date OCC and other regulations.

Include but not limited to:

Credit Portfolio Maintenance/Credit Officer

• Assist with the conducting 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
• Prepare credit reports
• Ensure all credit files are complete with supporting documentation
• Perform annual file reviews
• Update CRR and Credit usage tracker
• 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
• Work closely with the compliance team and serve as a bridge between the bank and the correspondent banks for compliance related matter for the credit facility establishment

Customer Service

• Answer customer inquiries via phone, FAX and/or email
• Perform liaison functions for FI customers and relevant business departments to resolve their inquires
• Actively support new type of customer and new product onboarding

• Bachelor’s degree required at the time of hiring, preferably majors in Finance, Accounting, Economics, Marketing, or a related field; candidates with a Master's degree are preferred.
• Demonstrate a strong understanding of financial markets and international business, with solid knowledge in financial analysis.
• Demonstrate strong analytical skills with high attention to detail and accuracy.
• Verbal and written capability in Mandarin and English preferred.