2026 Campus Recruitment Financial Institution Department Credit 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 a Credit Officer to conduct in-depth credit analysis, manage credit files and assist in audits. The role requires strong financial analysis skills and bilingual Mandarin/English communication.

The position involves preparing credit reports, reviewing files for compliance and supporting credit facility onboarding for corporate and personal banking clients.

Qualifications

• Bachelor’s degree required in finance, accounting, economics or related field.
• Strong understanding of financial markets and international business.
• Demonstrate high attention to detail and accuracy.
• Verbal and written capability in Mandarin and English preferred.

Responsibilities

• Assist with in-depth analysis of new credit requests, changes, renewals and annual reviews.
• Report findings that may affect loan collateral or borrower's ability to pay.
• Prepare credit reports and ensure complete files with supporting docs.
• Perform annual file reviews and update CRR and credit usage tracker.
• Participate in audits and remediation actions as needed.
• Collaborate with compliance and other departments on credit facilities.

Skills

Financial analysis

Attention to detail

Mandarin/English bilingual

Education

Bachelor’s degree in Finance/Accounting/Economics or related field

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.

Responsibilities

Include but not limited to:

Credit Portfolio Maintenance/Credit Officer

• Assist with the conducting in-depth thorough analysis of new credit requests, credit change requests, renewals and annual customer relationship reviews
• Report any findings that may have an adverse effect on loan collateral or borrower’s ability to pay/repay the loan
• Prepare credit reports
• Ensure all credit files are complete with supporting documentation
• Perform annual file reviews
• Update CRR and Credit usage tracker
• Participate in internal and external audit request, and take remediation actions is needed
• Participate in special projects and other duties as assigned

Credit Review and Ongoing Screening

• Conduct due diligence on CRR entities in accordance to bank policies, procedures and regulatory requirements
• Report any unusual credit activities to supervisor and Department Head
• Review loan files as needed to ensure quality, consistency, and compliance with regulatory requirements
• Work closely with the compliance team and serve as a bridge between the bank and the correspondent banks for compliance related matter for the credit facility establishment

Customer Service

• Answer customer inquiries via phone, FAX and/or email
• Perform liaison functions for FI customers and relevant business departments to resolve their inquires
• Actively support new type of customer and new product onboarding

Qualifications

• Bachelor’s degree required at the time of hiring, preferably majors in Finance, Accounting, Economics, Marketing, or a related field; candidates with a Master’s degree are preferred.
• Demonstrate a strong understanding of financial markets and international business, with solid knowledge in financial analysis.
• Demonstrate strong analytical skills with high attention to detail and accuracy.
• Verbal and written capability in Mandarin and English preferred.

Pay Range

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.