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Credit Analyst (Review Function Sep 2017)


 

Position Title: Credit Analyst (Review Function Sep 2017)

Location: Head Office, Markham

Position Available: 1

Report to: VP of Risk Management Department

Application Deadline: Sept 22, 2017

Duties and Responsibilities:

  • Research and analyze financial and operating information related to borrower and industries to assess credit risk of present and potential client exposures;
  • Perform risk rating calculations to complete risk assessment;
  • Conduct appropriate assessments of Borrower proposals(wherein Delegated limit); Conduct due diligence, credit analysis on new and existing relationships to complete steps needed to funding new loans and mortgages  and to monitor existing  exposures;
  • Use the relevant information to test covenants, margin and financial ratio requirements and promptly report out of order or non-compliant situations of assigned accounts;
  • Control and follow up credit excess, out of covenant or short margin conditions with business units in order to bring the account into order as soon as possible and /or prepare/recommend application for temporary excess/out of order position;
  • Oversee the effective Monitoring of the Portfolio through the use of individual assessments, internal and external reporting and regular ad hoc site visits;
  • Maintain the Bank’s retail/commercial credit system ,risk rating system and compliance review;
  • Support account managers in regard of credit policies and products;
  • Recognize and monitor weakening situations and report to the head of RMD;
  • Prepare the Bank’s periodic reporting to Management, Headquarter and regulator;
  • Other duties as assigned from time to time.

Job Specification

  • 2 years or above local commercial credit experiencing in the field of credit lending;
  • Relevant post-secondary education with Diploma/Degree in Business Administration, Accounting ,Finance or Economics;
  • High degree of proficiency in Microsoft Office tools and applications, VBA programming and SQL programming skills are definite assets;
  • Effective verbal and written communication skills;
  • Strong interpersonal and negotiation skills;
  • Excellent organizational and time management skills with the ability to prioritize and work accurately within deadlines;
  • Adaptability and flexibility to deal with a rapidly changing environment;
  • Accuracy and attention to detail.

To apply, please submit your resume along with the application form (available for download at http://www.bankofchina.com/ca/custserv/cs3/ ) to hr@ca.bocusa.com

Bank of China (Canada) is an equal opportunity employer and it is the bank’s policy to recruit and select applicants for employment solely on the basis of their qualifications with emphasis on selecting the best qualified person for the position. We welcome applications from all interested parties. Please understand that only qualified applicants will be contacted.

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