Assistant Vice President EMEA Credit Risk - Mandarin Speaking

About the role Credit Approval & Management Centre (EMEA) functions as an extension of Head Office credit approval and management functions across EMEA. It handles risk assessment and credit approval for corporate and FI banking loans originated by regional branches exceeding their delegated authority, as well as monitoring asset quality and providing independent credit risk oversight across EMEA branches and entities. This supports consistent implementation of Group policies and promotes sustainable business development within the Group's risk appetite. As an Assistant Vice President EMEA Credit Risk - Mandarin Speaking, you will be responsible for independently delivering core credit management activities, including monitoring of asset quality, conducting on‑site and off‑site inspections, and ensuring consistent application of the Bank of China (BOC) Group's credit risk criteria. You will support sound, forward‑looking credit risk management across the EMEA region in compliance with BOC Group's policies and local regulatory requirements. This is a full time permanent position. Key responsibilities

• Monitor asset quality and credit risk trends across EMEA branches and entities; maintain portfolio, watchlist and non-performing asset analysis and identify deterioration, concentrations and emerging risks
• Prepare periodic and ad hoc reports on asset quality and material credit risk issues for Centre and Head Office; escalate significant issues promptly
• Perform and coordinate on-site and off-site reviews covering unified credit exposure and credit limit management, credit risk mitigation and collateral, counterparty credit risk, country risk, ESG-related credit risk, and non-performing asset workout and disposal
• Research regional industries and contribute to differentiated sector policies, risk parameters, monitoring indicators and portfolio guidance
• Take ownership of assigned regional credit management workstreams and coordinate deliverables across EMEA entities
• Provide support and guidance to junior members of the team and colleagues as required Requirements
• Degree educated in Finance, Business, Economics, Accounting, Law, or other relevant subject
• Relevant professional qualification (e.g. CFA, FRM, ACIB, ACCA) is a plus
• Experience in credit risk management, credit due diligence, trade financing, FI financing and/or corporate banking is preferred
• Familiarity with banking products and risks associated with them is preferred
• Knowledge of non-performing asset management, restructuring, workout and disposal would be an advantage
• Excellent English and Mandarin communication skills, with the ability to explain complex credit risk matters to senior stakeholders
• Able to work effectively across multiple EMEA entities and with different stakeholders
• Team player
• Attention to detail
• Highly organised