Corporate Banking Department-Customer Relationship Manager AVP/Associate

Bocusa; New York (NY); On-site; USD 42,000 - 150,000; Full time

Job summary

An established industry player is seeking an AVP, Customer Relationship Manager to lead business development and manage customer relationships. This role involves soliciting new business opportunities, conducting credit risk analysis, and ensuring compliance with regulations. The ideal candidate will have a strong background in corporate lending and customer relationship management, along with excellent analytical skills. Join a dynamic team and contribute to the growth of a globally recognized financial institution, where your expertise will drive impactful decisions and foster valuable client partnerships.

Qualifications

• 5+ years of experience in corporate lending and customer relationship management.
• Strong corporate analysis and credit analysis skills required.

Responsibilities

• Solicit and originate new businesses and transactions.
• Conduct due diligence and credit risk analysis for prospective deals.
• Manage and monitor assigned loan portfolio and compliance.

Skills

Corporate analysis skills

Proficiency in spreadsheet analysis

Customer relationship management

Credit analysis

Marketing engagement

Education

Bachelor’s degree in business, finance, accounting or 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

The AVP, Customer Relationship Manager is responsible for soliciting and originating new businesses and transactions such as fully secured bilateral loans, deposits and treasury service products; researching and examining credit risk, assess credit history, and providing credit recommendation of the related loans and deposits. Performing KYC /BSA /AML and all other compliance activities relating to new and legacy loans.

Responsibilities

Include but not limited to:

Business Development & Customer Relationship

• Maintain regular contact with customers and look for opportunities to deliver added value to existing customer relationships.
• Manage, develop and execute marketing plans and strategies to maximize customer base promoting the designated loan products and services (e.g. syndicated loans).
• Take the lead of subordinates to conduct market research and identify new business opportunities to expand network of customer and business partner relationships.
• Manage the servicing of the existing loan portfolio, including handling customer inquiries and overseeing payments.
• Check the effectiveness of new business opportunities and marketing plans.
• Take the lead of subordinates to conduct research and make recommendation to the management of the syndication loans, club deals and participation loans.
• Solicit and explore potential business opportunities with targeted client base (e.g. Fortune 500 companies, brokers, other institutions of syndicated loans, club deals, and loan participations from banks in primary and secondary market.
• Structure, supervise and negotiate the term sheet and/or commitment letter with Legal and Compliance teams.
• Work closely with relevant departments in the New York Branch for ongoing loan administration and loan closing procedures.
• Check and sign off the subordinates’ assessment of customer relationships and determine appropriate action if necessary.

Credit Risk Analysis

• Conduct due diligence for prospective deals that includes detailed credit analyses, financial and industry analyses, and risk assessments.
• Evaluate credit worthiness of customers and report any unusual activities to supervisor.
• Manage and monitor the subordinates’ timely preparation of documentation, acquire executed documentation from customer and review for accuracy.
• Verify that the appropriate pricing, loan terms and profitability requirements are achieved.

Portfolio & Post-Lending Management

• Manage and monitor assigned loan portfolio for outstanding loan exceptions and unusual activities. Escalate as necessary.
• Review signed documents to assure loan package is complete with proper signatures obtained.
• Follow-up and clear any and all outstanding loan exceptions related to assigned portfolio.
• Monitor activities related to loans within the portfolio and escalate if necessary.
• Take the lead of the subordinates to perform post-lending monitoring of accounts.
• Ensure the processing and closing of loans in a prompt, accurate and efficient manner.
• Assist with administrative duties such as account setup, internal reports, drawdown management, post lending monitoring as needed.
• Monitor matured/maturing loans/credit lines and coordinate appropriate renewal.

Risk & Compliance Management

• Ensure all departmental and loan activities are in compliance with all applicable federal laws, and regulations such as Anti-Money Laundering (AML), Bank Secrecy Act (BSA), KYC and others. Report any unusual activities to QCU team.
• Understand and comply with bank policies, procedures and regulatory requirements
• Keep abreast of industry trends and understand regulatory requirements.
• Assist with audits in providing requested supporting documentations in a timely manner.

Qualifications

• Bachelor’s degree with major in business, financial, accounting or economics is required. A master degree preferred
• At least 5 years of work experience in corporate lending and customer relationship management for AVP level; at least 1 year of work experience is required for Associate level
• Corporate analysis skills required, including Proficiency in spreadsheet analysis, ratio calculation and analysis, cash flow projection & analysis, sensitivity test and scenario analysis
• Able to engage with marketing and client relationship management
• Accounting knowledge, corporate finance, credit analysis

Pay Range

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

USD $42,000.00 - USD $150,000.00 /Yr.