Introduction

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.

Overview

This incumbent will support account officers to originate and manage a portfolio of commodity clients by offering the product suite of the bank, including deposits, lending, commodity financing (Pre-Export Finance/ Warehouse Finance), Trade (LCs, Receivables Financing, etc) and capital markets. business documents

Responsibilities

Transaction Underwriting & Portfolio Monitoring 

• Conduct basic financial spreading and credit risk analysis based on company, industry, market and competitor research
• Assist evaluating risk aspects of transaction terms and conditions consistent with Bank policies
• Provide support to team by preparing credit reports, liaising with account officers and internal departments such as credit risk management department, and presenting recommendations to approval committees
• Work on a portfolio of accounts maintaining customer files, managing KYC requirements, conduct post-lending monitoring by analyzing interim and annual financials to address periodic reviews or specific client requests while interacting with credit risk and other departments
• Support Middle Office in post lending management of transactions, collateral management and portfolio management issues

Managing Client Relationships

• Support Account Officers to identify and originate new client relationships, and provide KYC information to Middle Office for review
• Attend client meetings with Account Officers and prepare call reports
• Negotiate credit agreement and other documentation for risk management purpose
• Negotiate term sheets/ pricing/ trade confirmation with clients
• Monitor clients credit status and the state of their business activities on an ongoing basis
• Support Account Officers to meet business targets set by the department
• Coordinate with operation teams to support the onboarding and monitoring of transaction

Product Marketing

• Work with account officer to originate business from target/existing clients
• Provide updates to management about marketing efforts, deals in pipeline and closed transactions
• Identify cross-selling opportunities

Compliance and Risk Management

• Onboard new customers in line with the Bank’s risk appetite statement
• Comply with Bank policies (Credit Risk Compliance, New Product Management etc) and department procedures for KYC and Credit Risk Control (including underwriting and post-lending monitoring)
• Set up customer profile and update/review in a timely manner
• Comply with departmental compliance and risks control procedures when accepting customers’ transactions
• Detect unusual activities and inform Account Officer and Middle office, escalating to dept. head if necessary
• Stay abreast of and analyze the industry and market developments

Other

• Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; participating in professional societies
• Prepare presentation materials for training, marketing events and meetings
• Support department in providing client/ transaction/portfolio information as well as business administration related work

Qualifications

• Bachelor’s Degree preferred in Finance/ Economics/ Accounting/Engineering/ Sciences/ Liberal Arts, MBA preferred
• Minimum 2 years of credit analysis or account officer experience within banking; trade finance related banking experience is a plus
• Demonstrate excellent communication and relationship management skills
• Demonstrate solid financial and credit analysis skills, as well as ability to read, write, analyze and interpret general business documents

Pay Range

Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications.