Bank of China: Personal Banking Business Officer (Credit approval)

Job No.: 494358
Employment Type: Full time
Departments: Personal Banking Risk And Integrated Management Department
Job Functions: Bank Operations, Business Development

Responsibilities

 Perform quality check to ensure Retail segment loan approval is in compliance

with the Bank's credit policies and guidelines.
 Formulate and review Retail segment loan underwriting standards regularly or
on an ad hoc basis.
 Provide recommendation to senior executive for any potential problems &
risks adhere to existing operation work flow and policies.
 Assist in developing and implementing credit strategies in support of the
business.
 Manage and monitor the loan portfolio to ensure asset quality
 Assist senior executive or product manager to develop credit related projects,
products, program as well as other administration issues.
 Liaise and communicate with frontline, compliance unit and risk management
department to facilitate the credit process workflow related to approval and
compliance issues
 Improve risk management knowledge within department by providing training
and consultancy support
Requirements:

 University Degree with major in Business Administration, Finance,

Accounting, Economics or related disciplines.
 Good credit sense / credit judgment with strong communication and
interpersonal skills
 Proficiency in both spoken & written English and Chinese including
Putonghua.
 Good knowledge of Microsoft Office

Personal Banking Risk And Integrated Management Department

Personal Banking Risk And Integrated Management Department manage to
formulate effective strategies of administrative, credit risks management and
operational effectiveness, ensuring that the internal controls is well implemented to
support the Bank's continued success. 
Monitor human resources allocation and manage the business budget. 
Optimize the secretarial management and administrative effectiveness 
Strengthen credit information management framework and risk control. 
Manage and optimize the credit system, monitoring and assurance tools for
internal and external audits in accordance with the requirements of the regulations and
the bank compliance policies.  
Manage sales and service-related processes, operating platform and the application
system; develop guidelines in accordance with regulatory requirements and the bank
policies. 
Execute risk management and be responsible for management of rules and
regulations.
Visions, Missions and Values (VMV) of Bank of China
We believe that a strong corporate culture inspires passion among employees in what
they do. In order to reach a higher level of business performance, new vibrancy has to
be injected into our corporate culture. After careful formulation and thorough
discussion, the Board approved the Group's Vision, Mission and Core Values (VMV),
the bedrock of our corporate culture, in 2004. With this initiative, we have embarked
on building a coherent and bank-wide corporate culture and spirit that will motivate
us and move us forward in the 21st century.

Our Vision is to be YOUR PREMIER BANK

Our Mission is to:

Build customer satisfaction and provide quality and professional service
Offer rewarding career opportunities and cultivate staff commitment
Create values and deliver superior returns to shareholders

Our Core Values are:

Social Responsibility - We care for and contribute to our communities
Performance - We measure results and reward achievement
Integrity - We uphold trustworthiness and business ethics
Respect - We cherish every individual
Innovation - We encourage creativity
Teamwork - We work together to succeed

Combining the initials of Mission and Core Values, we have "BOC SPIRIT" - a
simple yet powerful message that all our employees can identify with and work
together as a team towards corporate goals.