Financial Institutions Credit AVP/Associate
About the job
- A bachelor's degree in business, accounting, computer science, economics, mathematics, finance, or statistics is required.
- At least four years of credit risk management work experience is required for AVP; at least one year is required for Associate.
- Excellent written and verbal communication and interpersonal skills are required.
- Must be organized and detail-oriented with follow-up skills.
- Knowledge of credit risk, financial and statistical analysis, credit administration, policies and procedures, and regulatory compliance is required.
- Effective credit report writing skills are required.
- Conduct in-depth analysis of new credit requests, credit change requests, renewals, and annual customer relationship reviews.
- Report findings that may adversely affect loan collateral or a borrower's ability to pay or repay the loan.
- Present detailed credit analysis to relevant parties, such as Loan Officers.
- Ensure all credit files are complete with supporting documentation.
- Perform annual file reviews.
- Update the CRR and Credit usage tracker.
- Complete credit-related tasks and assessments requested by the second line in a timely manner.
- Participate in internal and external audit requests and take remediation actions as needed.
- Participate in special projects and perform other duties as assigned.
- Conduct due diligence on CRR entities in accordance with bank policies, procedures, and regulatory requirements.
- Report unusual credit activities to the supervisor and Department Head.
- Review loan files as needed to ensure quality, consistency, and compliance with regulatory requirements.
- Perform quality assurance and editorial functions for credit recommendation reports and proposals.
- Perform liaison functions for Financial Institutions customers and relevant business departments to resolve their inquiries.
- Actively support onboarding of new types of customers and new products.
- A master's degree is preferred.
About the company
Bank of China USA, the US branch network of Bank of China, handles banking between the United States and China for companies, financial institutions, and wealthy individuals. It was the first Chinese bank in the United States and uses its parent's global network to connect clients with overseas banking services. Chinese companies operating in the US and Fortune 500 firms use it for corporate loans, trade finance, currency trading and cross-border cash management, paying interest and service fees, while individuals use its personal banking. The US network dates to 1981, when Bank of China, founded in 1912, reopened its operations with a branch in New York, where the US business is based.
Company Size
501-1,000
Company Stage
N/A
Total Funding
N/A
Headquarters
New York City, New York
Founded
1981
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Simplify's Take
What believers are saying
- BOCUSA's August 2026 Beijing and Shanghai sessions drew nearly 30 client institutions, reinforcing its cross-border sales channel.
- BOCUSA describes employee youth mentoring with one-to-one meetings every two weeks during the school year.
- BOCUSA says over 90% of clients are U.S.-based, anchoring its customer relationships in the American market.
What critics are saying
- BOCUSA's Queens compliance roles allocate 50% to regulatory controls and 45% to account review and transaction monitoring.
- BOCUSA's Chicago and Los Angeles deposits lack FDIC insurance, leaving that funding outside the U.S. deposit-guarantee system.
- BOCUSA's federal branches need not report regulatory income, limiting standard comparisons of U.S. branch profitability.
What makes Bank of China USA unique
- Bank of China USA is one of two banks designated for yuan clearing in the United States.
- BOCUSA's New York branch handles CME futures-exchange payments in dollars and yuan, with overnight credit for clearing members.
- BOCUSA's New York and Queens branches jointly hold a regulatory deposit equal to 5% of third-party liabilities.
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