Bank Of America Associate Enterprise Credit Shanghai 

China, Shanghai 

631977471

Job Description:

Job Description:

• Credit coverage of a portfolio of local corporate accounts. Expected to be able to lead, coordinate and manage the process for administration of credit facilities to this portfolio.
• Participate in the decision to commit the bank's resources and prepare Credit Approval Memoranda.
• Recommend credit facilities within designated limits after ensuring that they adhere to the bank's credit policy guidelines & comply with internal / external regulations.
• Evaluate the performance of the client through analysis of the business, industry position, economic conditions, financials (balance sheet / financial ratios/ cash flows) etc. Complete financial spreads, prepare and review financial projections. Analyst is expected to build extensive knowledge of each client.
• Monitor individual credit takers on an ongoing basis & provide crisp, concise analytical feedback.
• Responsible for accuracy of internal risk ratings and ongoing tracking of credit quality, with the objective of improving the credit quality of the portfolio managed by the associate.
• Work closely with business partners to generate adequate financial returns for the bank from the assigned portfolio.
• Work to achieve satisfactory ratings in internal / external credit examinations.
• Liaise with documentation group and other support functions such as legal, compliance and finance on credit related matters affecting the assigned portfolio.

:

• Candidate should have strong academic credentials, with a degree in Business Administration, Accounting or related disciplines.
• 4 years plus experiences in credit risk analysis, loan structuring and account management in a corporate banking environment.
• Experience in credit risk analysis of PRC-based corporations, and knowledge of basic trade finance as well as foreign exchange products.
• Must possess solid analytical and technical capabilities and a demonstrated ability to broadly apply these skills in a corporate banking context.
• Team player, results-oriented and shows ability to adapt.
• Willingness and ability to express opinions and work in a high pressure environment.
• Demonstrated ability to deal with multiple priorities and business partners at the same time, and across different geographical locations and time zones.
• Proficient in PC knowledge and familiar with MS Word, Excel and PowerPoint.
• Fluency in both written and spoken English and Mandarin essential