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 incumbent will assist in 1) filing report of clients and market; 2) exploring the local market and maintain sound business relationship with corporate clients and commercial mortgage loans (CM) as needed; 3) supporting a portfolio of syndicated loans; 4) conduct post-loan management to ensure all the loan activities are in accordance with the Corporate Banking Department’s policies and procedures, including KYC.

Include but are not limited: 

Credit Analysis

• CRE: Proficiency in spreadsheet analysis, rent rolls, ratio calculation and analysis, cash flow projection & analysis. Skills of sensitivity test and scenario analysis.
• C&I: Proficiency in spreadsheet analysis, ratio calculation and analysis, cash flow projection & analysis. Skills of sensitivity test and scenario analysis.
• Ability to identify credit risks and derive ways to mitigate them. 

Due Diligence Review

• Analyze real estate and corporate financial status, credit, and perform in-depth due diligence and compliance analysis.
• Correctly reflect the credit requests of the customer & Corporate Banking Department’s recommendations.

Compliance and Operation Review

• Monitor transaction activities to ensure all transactions are in compliance with the Bank’s policy and procedures
• Address and follow-up on compliance issue and refer escalated and/or complex issues to higher levels.
• Attend BSA, AML, and KYC seminars and training.
• Perform Policies and Procedures Review on a semi-annual basis to look for further enhancement to the policy.
• Understand, comply with and monitor the activities, if necessary, of all applicable laws and regulations regarding anti-money laundering, Bank Secrecy Act, currency transaction reporting, and suspicious activity reporting.

Reporting and Market Research

• Write up Credit Recommendation report (CRR), Exception Requests, research reports, and other assigned reports or presentations.
• Research and gather market details and intelligence to assist the Account Officers.
• Perform market analysis and due diligence to support and reduce potential risks.

• Bachelor’s degree required; major in Finance, Economics, Business Administration or Accounting is preferred but not required.
• 3 years of experience in commercial corporate banking, or underwriting, or lending in the banking industry, or other related experiences required for Associate level; 4 years of experience in commercial corporate banking, or underwriting, or lending in the banking industry, or other related experiences required for AVP level.
• Demonstrate understanding of financial statement, and ability to calculate and analyze related financial ratios are required.
• Demonstrate sound knowledge in Sino-US Trade and economic updates in China, and excellent analytical, interpersonal, verbal and written communication skills.
• CFA, CPA or Formal Credit training is preferred but not required.
• Bilingual ability in Mandarin is preferred.