Senior Credit Analyst - Corporates

About the role

Credit Management & Special Assets Resolution Department is the second line of defence (2

LoD) credit function that is responsible to prepare risk assessment reports and credit recommendations in support of existing and new business for the Bank. As a Senior Credit Analyst – Corporates, you will be responsible for completion of credit risk applications. You will support the first line of defence (1

LoD) coverage in defining and revisiting business strategy for full alignment with the Bank’s risk appetite statements and develop robust industry vertical practices between the 1

LoD and 2

LoD for effective end-to-end credit management process. This is a full time permanent position.

• Assess proposals submitted to Credit Management department from the Bank's front office departments and write credit reports in respect of the business proposals. This includes research and evaluation of counter party management, industry and transaction risk, financial accounts, cash flows and forecasts
• Compose and update credit applications including waiver requests, limit renewals and proposals for new transactions
• Attend the Credit Committee to present a summary of credit reports and answer any questions from the Committee members
• Support 1
  
  LoD coverage in business strategy definition and in on-boarding new Corporate clients
• Regularly monitor the risk situations of borrowers in an allocated portfolio as well as industry risks where particular responsibility for an industry has been allocated
• Develop and maintain financial models aimed at enhancing a number of tasks not limited to the collection of historic financials and various models aimed at monitoring credit and market signals
• Ensure the compliance with departmental procedures
• Manage the CCMS approval process from start to completion and work with front office to manage time frames and expectations
• Advise internal stakeholders on topics not limited to business strategy, product launches, portfolio management and monitoring
• Promote engagement with Head Office and overseas branches on the coverage of the corporate portfolio across the Bank of China Group

• Degree educated preferably in Finance, Business or Economics
• Proven experience in managing large corporates portfolio
• Experience of Project Finance and Acquisition Finance would be an advantage
• Relevant professional qualification is considered useful (e.g. ACIB, CFA, FRM)
• Comprehensive knowledge of Banking products and risks associated with them
• Comprehensive knowledge of legal documentation specific to Banking and CCP businesses
• Excellent communication skills
• Demonstrated financial and modelling skills
• Attention to details
• Team player
• Ability to work in a fast paced environment

Having a presence in the UK for more than 90 years, Bank of China London Branch has been providing an excellent financial service to the market and maintain its competitive edge as an international bank operated in the UK. It has employees in over 33 countries, and it is one of the most internationalised overseas branch in the Bank of China Group.

The Bank values the diversity of its employees and aims to create an inclusive environment where everyone can speak up and enjoy the equal opportunities to grow both personally and professionally.

We strive to offer you a continuous learning environment and we will invest in your development. We provide personalised and varied learning tools to support your growth and career through:

• access to the best in class qualifications from leading professional bodies such as the Professional Bankers Certificate and Green & Sustainable Finance Certificate from the Chartered Banker Institute
• 24/7 on-demand access to over 600 e-tutorials to build and refresh core and advanced banking knowledge
• regular pan‑bank stay connected sessions to keep in touch with what is going on across the bank and build your network
• exploring your unique and collective strengths and development areas to become the best version of yourself using the globally renowned Insights personality profile
• developing our People Managers to help coach and guide you towards success, through…