Commodity Business Center - Commodities Marketing Associate/AVP

Responsibilities

• Transaction Underwriting& Portfolio Monitoring
• Carry out basic financial spreading and credit risk analysis based on company, industry, market and competitor research.
• Evaluate risk aspects of transaction terms and conditions consistent with Bank policies.
• Prepare Credit Reports in liaison with account officers interacting with various departments including credit risk and presenting recommendations to approval committees.
• Manage 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.
• Support Middle Office in collateral management and portfolio management issues.
• Managing client relationships- Work with account officers and clients on identifying credit needs of the client and determining appropriate product choice to satisfy these needs.
• Liaise with clients and agent banks to obtain and review KYC and financial information.
• Coach junior colleagues.
• Asset profitability and risk of new loans and other products.
• Stay abreast of and analyze the industry and market developments.
• Product Marketing
• Work with account officer on Originating business from target /existing clients.
• Analyze product pricing by utilizing market research data and pricing guidance from Bank of China NY branch.
• Provide updates to department/branch management about marketing efforts, deals in pipeline and closed transactions.
• Focus on improving wallet share and risk/reward ratio.
• Identify opportunities for cross-selling.
• Compliance and Risk Management
• Work with account officer on developing new products and onboard new customers in line with the Bank’s risk appetite statement.
• Comply with bank policies (Credit Risk, Compliance, New Product Management, etc.) and departmental procedures for KYC and Credit Risk Control (including underwriting and post-lending monitoring).
• Comply with the laws of China and the United States, including Patriot Act (BSA, AML, and OFAC).
• Set up customer profile and update/review in a timely manner.
• Comply with departmental compliance and risks control procedures when accepting customers’ transactions.
• Detect red flags/unusual activities and inform Middle Office.
• Escalate to department head, if necessary.
• Keep abreast of compliance knowledge by attending trainings and seminars.
• Comply with code of conduct.
• Actively identify incidents outside of established policies/products, and report to management immediately.
• Others
• 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.
• Conduct trainings as and when required.
• Cooky with BOC USA branches to support overall goals of the bank.
• Maintain subordinates to ensure effective credit analysis.

Qualifications

• Bachelor’s Degree preferred in Finance/ Economics/ Accounting/Engineering/ Sciences/Liberal Arts, Master's Degree preferred
• Minimum 5 years of work experience in corporate lending and customer relationship management for AVP level; 1-5 years of experience in banking or financial services for Associate level
• Corporate analysis skills required, including Proficiency in spreadsheet analysis, ratio calculation and analysis, cash flow projection & analysis, sensitivity test and scenario analysis
• Able to engage with marketing and client relationship management
• Bilingual ability in Mandarin and English preferred

Pay

Pay Range Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications. USD $42,000.00 - USD $150,000.00 /Yr.