Credit Risk Management Department-General Corporates C&I AVP/VP

Bank of China Limited, New York Branch • New York, NY

98d • $65,000 - $230,000

About The Position

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 AVP/VP will be responsible for conducting credit risk evaluations and making recommendations in conformance with the Bank’s risk appetite and policies. This includes implementing credit process controls to monitor and maintain the asset quality of the US Branches loan portfolio, preparing portfolio reporting and other reports, and updating Credit Risk Policies and Procedures to reflect changes in internal and regulatory guidelines.

Requirements

• Bachelor's degree in Finance/Accounting/Economics required; MBA preferred.
• At the AVP level, minimum 3 years of C&I Corporate Credit Risk / Underwriting experiences; at the VP level, minimum 7 years C&I Corporate Credit Risk / Underwriting experiences.
• Demonstrate strong knowledge in Financial analysis and modeling, Credit Risk Management, and C&I industry.
• Mandarin (verbal and written) skill preferred.
• CFA/FRM or CFA/FRM candidate preferred.

Responsibilities

• 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.
• Assist business units’ account officers with loan structuring, loan exposure management, and on-site due-diligence, where appropriate.
• Independently 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.
• Cultivate relevant industry knowledge, particularly for assigned loan portfolio.
• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree