Job description

A multi-national banking institution in New York city is looking for a Bank Assistant Business Officer.

Summary/Objective:
A) Support frontline departments to conduct the due diligence for the new business
opportunities. Work closely with Account Officers and Credit department in order to provide
any mitigation/ recommendation for the proposal and close business deals successfully in a
timely manner.
B) Assist frontline departments with financial analysis for both existing and potential customers
in preparation of credit proposal and annual review.

Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the
essential functions.
1. Follow-through with front-line department, credit department and loan operation department
through all phases of the underwriting process.
2. Maintain customer relationship and provide good services.
3. Analyze borrower/guarantor financial information including tax return, rent roll, etc. to
determine the property’s debt carrying ability and the borrower’s capacity to repay.
4. Full knowledge in commercial real estate mortgage (CRE), small business lending product
(include but not limited to C&I, LOC, and etc.), and financial institution (FI) evaluation.
5. Spread and analyze personal and corporate financial statements, and prepare credit proposal.
6. Prepare various weekly/monthly reports for management, or other departments.
7. Participate in special projects as required.
8. Ability to adapt to a changing environment and handle multiple priorities
9. Excellent writing and analytical skills
10. Perform administrative responsibilities including taking notes during meetings, preparing
correspondence, and managing files
11. Performs other duties as assigned.
12. Collect business and credit information and references
13. Coordinate with attorneys and frontline officers to prepare loan closings

Competencies:
In order to perform the job successfully, an individual should demonstrate the following
competencies:
1. Quality Management – demonstrates accuracy and thoroughness.
2. Time management - manage multiple priorities, and complete the assignments on schedule.
3. Customer service – responds promptly to customer needs and meets commitments.
4. Oral communication – communicate with customers and branch employees effectively and
clearly.
5. Analytical - Collects and researches data; Uses intuition and experience to complement data.
6. Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes
information skillfully; Develops alternative solutions; Uses reason even when dealing with
emotional topics.
7. Written Communication - Writes clearly and informatively; Able to read and interpret written
information.

Required Education and Experience:
Bachelor's degree (B. A. or B. S.) with Accounting or Finance major preferred from four-year college
or university. MBA/MS degree preferred. 1-3 years related experience and/or training; or equivalent
combination of education and experience.
Additional Qualifications:
An individual should have knowledge of spreadsheet software, word processing software and powerpoint software.
Language/Communication Skills:
Able to read and interpret documents such as operations policy and procedures. Able to write routine
reports and correspondence in Chinese and English. Fluency in Cantonese/Mandarin and English.

Supervisory Responsibility: None

Physical Demands:
This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop
and cell phone. Most work is completed in an office environment or through VPN. Walking around the
office and discussing with employees and supervisors is required.
Travel Requirements:
Regular site visit in New York Metropolitan area for existing portfolio is required. Others as needed.

Other Duties:
Please note this job description is not designed to cover or contain a comprehensive listing of
activities, duties or responsibilities that are required of the employee for this job. duties,
responsibilities and activities may change at any time with or without notice. It is understood and
agreed that the employee may be required to perform additional duties as assigned by the employee’s
supervisor or Manager.

Risk Management Responsibilities:
Owns the risks they take and are responsible and accountable for ongoing management of risks,
including the identifying, measuring, monitoring, assessing (self-assessment) and reporting risk
exposure proactively to senior management. Follow the Frontline Procedure and compliance requirement for handling underwriting assignments. Report to compliance and file SAR referral for any suspicious activities found during the underwriting process. Report
to Deputy Head of FOSU or senior management immediately for any issues.

Job Type: Full-time

Pay: $75,000.00 - $80,000.00 per year

Schedule:

• 8 hour shift

Supplemental pay types:

• Bonus pay

Ability to commute/relocate:

• New York, NY 10001: Reliably commute or planning to relocate before starting work (Required)

Experience:

• Underwriting: 1 year (Required)
• Loan processing: 1 year (Required)

Language:

• Chinese (Required)

Work Location: Hybrid remote in New York, NY 10001

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