Credit Risk Management - C&I AVP
Salary undisclosed
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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
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 position will assist in related risk management with respect to the businesses of Global markets and Treasury business, including supporting the management of related IT systems, ensuring proper data management and user access controls according to the Bank’s policy and procedures, head office regulations and other applicable rules and regulations.
Include but are not limited to
System Management
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
- 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
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 position will assist in related risk management with respect to the businesses of Global markets and Treasury business, including supporting the management of related IT systems, ensuring proper data management and user access controls according to the Bank’s policy and procedures, head office regulations and other applicable rules and regulations.
Include but are not limited to
System Management
- Lead and monitor the full implementation process of new systems, system upgrades and alterations according to the Bank’s overall plan
- Direct and help business users to translate business needs into functional design, test planning and user documentation
- Direct and lead risk managers to translate risk control needs into functional design, test planning and user documentation
- Provide expertise on new activity processes with respect to I.T. issues
- Coordinate and support the maintenance of related information and management systems
- Manage and maintain proper user access controls of related systems according to the Bank’s policies and procedures
- Manage and maintain static and market data of related information and management systems
- Assist in the management of operational risks
- Provide assistance to other branches in the region with respect to questions on global markets and treasury business related systems
- Other tasks assigned
- Communicate with other departments on resolving risk related issues/concerns
- Proactively improve the risk monitoring and controlling procedures of the risk monitor in the Global Markets and Treasury business
- Assist with the review and dissemination of other departmental Policy and Procedures
- Coordinate with related departments and HO in the application and management of the related risks
- Provide assistance to other branches in the region with respect to risk monitor
- Monitor, control and report on related risks in the Global Markets and Treasury business
- Review periodic business and risk analysis reports to General Management of the branch and Head Office
- Review risk warning reports
- Review the analysis reports on risks of the business
- Direct the preparation of the research reports assigned
- Bachelor’s degree is required for this position
- A minimum of 2 years of financial market business related experience and at least 3 years of IT system related experience in the banking industry are required
- Knowledge of financial instruments and products (Foreign exchange, money market, Fixed Income, Interest Rate Swap, Repo, etc…) is required
- Proficiency in computer platforms and applications; is required
- Experience related to SQL, VBA, Python is a plus
- Bilingual abilities in both English and Chinese are highly preferred
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