2026 Campus Recruitment Corporate Banking Department Client Relationship Associate

Bank of China Limited, New York Branch; New York (NY); On-site; USD 50,000 - 70,000; Full time

Job summary

Bank of China Limited, New York Branch is seeking an Associate to support the Corporate Banking Department with underwriting, asset management and post-lending tasks. The role includes analytical support, KYC/AML compliance, term sheet preparation, and loan documentation review.

You will contribute to loan closing, post-lending monitoring and collaboration across teams. A bachelor’s degree is required; banking internships are preferred, and Mandarin-English bilingualism is a plus.

Qualifications

• Bachelor’s degree in business, finance, accounting or economics; master’s degree preferred.
• Internship experience in banking or financial services preferred.
• Internship experience in Structured financing, aircraft financing preferred.
• General credit analysis, spreadsheet modeling, cash flow projections, sensitivity analysis and financial analysis knowledge required.
• Bilingual ability in Mandarin and English preferred.

Responsibilities

• Conduct industry research and analyze potential business opportunities.
• Conduct market research and identify opportunities and prepare analyses.
• Participate in onsite customer visits.
• Maintain regular client contact and seek ways to add value to relationships.
• Build and maintain relationships with existing and new partner banks.
• Collaborate across departments on special projects and present to senior management.
• Participate in special projects and other duties as assigned.
• Assist Team Lead with credit analyses and financial reports.
• Monitor market conditions and report trends to supervisor.
• Monitor loan portfolio risk ratings and flag potential issues.
• Perform financial analyses to determine risk ratings and reserves.
• Review loan documentation for compliance with policies and regulatory requirements.
• Perform due diligence and KYC/AML checks.

Skills

Credit analysis

Spreadsheet modeling

Cash flow projections

Sensitivity analysis

Financial analysis

Education

Bachelor’s degree in business/finance/accounting/economics

Master’s degree preferred

Job description

Introduction

Established in 1912, Bank of China is one of the largest banks in the world, with over $3 trillion in assets and a footprint that spans more than 60 countries and regions. Our long-term outlook, institutional weight and global breadth provide our clients with a stable and reliable financial partner, whether in Corporate or Personal Banking or our Trade Services, Commodities, Financial Institutions and Global Markets lines of business.

Overview

*To be eligible for campus recruitment program, you can only apply for 1 position within the U.S. Branches.

The Associate will provide support to the various teams (e.g.Team1/2/3) of the Corporate Banking Department with: (1) underwriting new credit proposals; (2) asset management and post-lending; (3) providing analytical support; (4) responding to home and inter-office inquiries; (5) performing KYC/AML and all other compliance activities relating to new and legacy loans; (6) assisting with preparation of term sheets, credit review memorandums, annual reviews and presentation reports; (7) reviewing and negotiating loan documentation; (8) assist colleagues in processing and managing deposits and (9) assisting in the loan closing and post-lending loan administration process.

Responsibilities

Include but are not limited to:

Business Development & Customer Relationship

• Conduct industry research and analysis to assist in the identification and/or analysis of potential or actual business or new opportunities.
• Conduct market research and identify potential business opportunities and prepare analysis.
• Participate in onsite customer visits.
• Maintain regular contact with clients and look for opportunities to delivering added value to client relationships.
• Build and maintain relationships with existing and new partner banks.
• Collaborate with other departments on special project assignments including preparation of presentations to senior management.
• Participate in special projects and other duties as assigned.

Credit Risk Analysis

• Assist the Team Lead with preparation of credit analyses, analytical reports, real estate market rating models and financial/cash flow projections.
• Monitor and analyze conditions in specified markets utilizing the Bank’s external and internal data, economic, and financial data and research for future trends.
• Monitor and analyze key economic and demographic trends in assigned geographic markets and report on key developments to supervisor.
• Monitor existing loan portfolio to ensure proper risk ratings and early identification of potential issues.
• Perform financial analyses to determine risk ratings for loans and propose reserves for loan losses quarterly on the basis of the ratings.
• Review supporting documentations for loans for accuracy and compliance with Bank policies, procedures and regulatory requirements.
• Perform due diligence and compliance checks (KYC/AML) in accordance to the bank’s policies and procedures.

Portfolio & Post-Lending Management

• Collaborate with relevant departments on the loan processes including the opening of accounts, closing of loans, post-lending monitoring and others.
• Perform post lending monitoring that includes but not limited to conducting annual review of loan portfolio, updating financial and performance reports and reviewing of compliance certificate and other documents.

Risk & Compliance Management

• Provide assistance with the completion of risk and compliance assessments.
• Understand and comply with bank policies, procedures and regulatory requirements.
• Process transactions in accordance to the Bank policies, procedures and regulatory requirements (e.g. AML, BSA, OCC, EAR, and others).
• Keep abreast of industry trends and understand regulatory requirements.
• Assist with audits in providing requested documentations in a timely manner.

Qualifications

• Bachelor’s degree required at the time of hiring. Majors in business, financial, accounting or economics preferred. Master’s degree preferred.
• Internship experience in experience in banking or financial services preferred.
• Internship experience in Structured financing experience, especially related to aircraft financing preferred
• General credit analysis, spreadsheet modeling, cash flow projections, sensitivity analysis and financial analysis knowledge required.
• Bilingual ability in Mandarin and English preferred.

Pay Range

Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications.

USD $50,000.00 – USD $70,000.00 /Yr.