Credit Analyst AVP (CRE/C&I/Commodities) Credit Analyst AVP (CRE/C&I/Commodities) …

Bank of China USA
in New York, NY, United States
Permanent, Full time
Last application, 20 Aug 19
Bank of China USA
in New York, NY, United States
Permanent, Full time
Last application, 20 Aug 19
The incumbent will be responsible for conducting credit analysis and risk assessment on transactions proposed by Front Line Units (FLUs) in different fields, including macroeconomics analysis, industry analysis, peer analysis and financial statement analysis.

Job Duties

Include but are not limited to:

  • Credit Risk Review
    • Review and analyze credit requests submitted by FLUs in all aspects under minimal supervision, including but not limited to limit structure, historic financial performance and assumptions used to prepare base case and stress case financial projections, management, industry, markets and economic conditions and third party reports.
    • Independently challenge and critique FLUs credit proposals and document key points accordingly
    • Articulate credit risk view with respect to the bankability of FLU requests and their conformity with the Bank’s policies and procedures
  • Portfolio Management
    • Independently conduct annual and/or quarterly reviews of existing credits as required by the Bank’s policy
    • Monitor industry trends and assess impact of and/or client specific negative news from a portfolio perspective
    • Conduct exception and pipeline management
  • Knowledge and Learning
    • Cultivate relevant industry knowledge particularly for assigned portfolio
    • Deepen expertise in banking products and regulatory requirements
    • Demonstrate initiative to acquire necessary knowledge to perform job function

Job Requirements

  • Bachelor’s degree is required, Master’s degree is preferred
  • Minimum 5 years of relevant work experience
  • Good communication, time management and team orientation skills are required
  • Knowledge in credit markets and products are required
  • English is required, Mandarin  is preferred