Associate Real Estate Finance - Corporate Banking

Corporate Banking is a client facing department, responsible for marketing, onboarding and ongoing management of the client relationship, providing loan business to the clients as well as promoting ancillary business according to the Bank’s business strategy and risk appetite. As an Associate Real Estate Finance - Corporate Banking, you will participate in the Bank’s corporate banking business in Real Estate Finance (REF) business area in line with the Bank’s business strategy and risk and compliance requirements. This is a full time permanent position.

Key responsibilities

- Support the management of new REF transactions from start to finish, including analysis, structuring, negotiation, origination, credit process and documentation - Liaise with third party professionals such as Valuer, Monitoring Surveyor and Legal Counsel including agreeing scope of works, obtaining fee quotes, preparing and issuing instruction letters - Support with reviewing and providing feedback/comments on property, tax, financial and legal due diligence reports, such as Overview of Certificate on Titles, Right of Lights, Monitoring Surveyor Report, Environmental Report and Valuation Report - Assist in reviewing and negotiating facility and security documentation and address issues highlighted in due diligence reports, and coordinate with internal and external parties to complete deal execution, closing and drawdown processes - Assist in preparing marketing and training materials and coordinating client/internal presentations - Conduct portfolio and performance analysis, prepare MI reports for Head Office and Management, and undertake regular market and industry research to increase the customer base in line with the Bank's risk appetite and credit policy - Undertake new transactions such as producing term sheet, constructing excel debt modelling, researches and completion of due diligence on the deal and completing credit papers for new businesses - Complete pre and post-lending tasks, including KYC/KYB compliance, covenant monitoring and annual reviews, in accordance with the Bank's internal policies, guidelines and regulatory requirements - Assist in expanding Commercial Real Estate business, reviewing industry strategy and developing client relationships, including cross-selling corporate banking products and liaising with Head Office, sister branches and the domestic network to support existing and target clients

Requirements

- Degree educated in Finance, Accounting, Business, Economics, or other relevant subject - Demonstrated experience in a Corporate Banking or Credit role within Banking industry - Experience in Real Estate Finance business is preferred - Understanding of general and structured corporate financing activities, as well as general and structured corporate banking products and services - Understanding of finance and security documentation, both bilateral and syndicated - Ability to navigate around and understand a loan agreement and related financial documents - Good quantitative and qualitative credit analysis skills, with excellent financial modelling skills - Knowledge of regulatory, legislative requirements and industry practice for the financial crime disciplines, including AML/CTF, fraud, sanctions and ABC - Excellent communication skills - Fluency in Mandarin is preferred - Proven analytical skills, business judgment and acumen - Team player - Highly organised

Having a presence in the UK for more than 90 years, Bank of China London Branch has been providing an excellent financial service to the market and maintain its competitive edge as an international bank operated in the UK. It has employees in over 33 countries, and it is one of the most internationalised overseas branch in the Bank of China Group. The Bank values the diversity of its employees and aims to create an inclusive environment where everyone can speak up and enjoy the equal opportunities to grow both personally and professionally.