Credit Risk Management Department-Credit Analyst C&I Associate/AVP

About the role

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. The incumbent will be responsible for conducting credit risk evaluations and making recommendations in conformance with the Bank’s risk appetite and policies. The role also includes implementing credit process controls to monitor and maintain the asset quality of the US Branches loan portfolio, updating Credit Risk Policies and Procedures to reflect changes in internal and regulatory guidelines, conducting industry and product research for presentation to management, and preparing portfolio reporting.

Responsibilities

• Review and analyze credit requests submitted by Front Office, covering limit structure, historic financial performance, assumptions for base case and stress case projections, management, industry, market and economic conditions, and third‑party reports.
• Provide and document recommendations to Front Office credit proposals.
• Articulate credit risk view regarding 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 monitoring requirements.
• Assist account officers with loan structuring, loan exposure management, and on‑site due diligence as needed.
• Conduct annual and/or quarterly reviews of existing credits as required by Bank policy.
• Monitor industry trends and assess the impact of client‑specific negative news from a portfolio perspective.
• Conduct exception and pipeline management.
• Develop relevant industry knowledge for the 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 functions.

Qualifications

• At least 3 years of C&I corporate credit risk and underwriting experience for Associate level; at least 4 years for AVP level.
• Bachelor’s degree required, preferably in Finance, Economics, or Accounting; Master’s degree, MBA, or CFA preferred.
• Sound financial analysis and modeling skills, understanding of credit risk management, and knowledge of the C&I industry.
• Bilingual ability in Mandarin is a plus.

Pay

Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications. USD $42,000.00 – $150,000.00 per year.