As a Luxembourg-incorporated bank since 1979, together with the global presence of Bank of China Group, Bank of China Luxembourg has been successfully operating and continually developing its business over the years, and has contributed to the local and worldwide economic and social development. With more than 40 years of expertise and experience in the European markets, Bank of China Luxembourg extended its roots from Luxembourg to other European countries by setting up various branches in the Netherlands, Belgium, Poland, Sweden, Portugal, Greece and Ireland.

Taking into account the wide regional coverage across Europe and to further unify the brand image, in 2022, Bank of China Luxembourg changed its name to Bank of China Europe, together with the 7 cross border branches across Europe.

Bank of China Europe adheres to the guidance of BOC Group and continues to grow and expand its business coverage across the world, offering comprehensive business solutions to its clients worldwide with its globalized operations and diversified platforms.

Comprising of an international workforce with a multicultural background of 30 different countries and regions with over 390 employees, on this beloved land, with common objectives and a strong brand name that is widely recognized within the financial sector and across various industries, Bank of China Europe is continuously working towards building the bank into a first-class global banking group.

Job purpose:

As a part of Banking Department team, you will report to the Head or the Deputy Head of the department. With a well established global network, strong reputation and huge potential valuable clients, this job opportunity will allow you to gain experience and develop within the fast growing international Bank.

Responsibilities would be, but not be limited to, the following:

• Review, update internal policies and procedures with regard to personal loan business.
• Review loan requests and perform risk analysis; evaluate clients’ financial status and creditworthiness; draft loan applications and submit them for approval.
• Draft loan documentation based on the Bank’s templates.
• Monitor existing loan portfolio; maintain updated records of loan files and inventory lists.
• Complete annual reviews of existing loans within the agreed deadlines.
• Support relationship managers in client meetings in relation to personal loan business.
• Liaise with internal departments, external experts and any third parties involved in the client’s loan transaction.
• Keep up to date with industry standards and regulatory requirements.
• Provide personal loan risk control training to the relevant employees according to business requirements.
• Organize personal loan inspection to cross-border branches, follow-up the rectification of the relevant findings.
• Performs any other tasks assigned by the Bank/Department.

Profile (Technical Skills):

• Bachelor Degree or above in Finance, Accounting, Economic Management or Business Related Studies.
• Familiar with the local laws and regulations related to consumer rights and interests protection and other credit business related,
• Experienced in dealing with the procedures, with external law firms, notary and real estate valuation companies
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·       More than 3 years of working experience in personal loan business especially mortgage loan business.

·       Fluency in English is essential; knowledge of Chinese, French or German would be an advantage.

Profile (Soft Skills):

·       Team spirit

·       Committed, confident, determined and self-motivated

·       Well organized and detail orientated with a client focus

·       Excellent written and verbal communication skills

To Apply:

This position is based in Luxembourg and open with immediate effect. Should the above mentioned criteria match your expectations, please do not hesitate to send your CV by Smart Recruiters.