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Job Title:

Analyst, Credit Risk

About Bank of America Merrill Lynch:

Our purpose as a firm is to make financial lives better, through the power of every connection. Across the world, we partner with leading corporate and institutional investors through our offices in more than 40 countries. In the U.S alone, we serve almost all Fortune 500 companies and approximately 59 million consumers and small-business customers. We provide a full suite of financial products and services, from banking and investments to asset and risk management. We cover a broad range of asset classes, making us a global leader in corporate and investment banking, sales and trading.

Connecting Asia Pacific to the World

Our Asia Pacific team is spread across 23 offices in 12 markets. We are focused on connecting Asia to the world and the world to Asia, using our global expertise to ensure success is shared between us, our clients and our communities. Our regional footprint covers 12 currencies, more than a dozen languages and five time zones, placing us firmly among the region’s leading financial services companies.

Bank of America Merrill Lynch is committed to attracting, recruiting and retaining top diverse talent from across the globe. Our diversity and inclusion mission is to actively promote an inclusive work environment where all employees have the opportunity to achieve personal success and contribute to the growth of our business. Each of our global Employee Networks bring together employees, create dialogue and awareness in support of our Diversity and Inclusion mission.

Bank of America Merrill Lynch is an equal opportunities employer.

Position Description

Global Risk Management is responsible for protecting the company through independent, objective oversight of risk. We effectively manage risk and reward for each of the bank's major lines of business. The foundation of Bank of America Merrill Lynch's risk governance is individual accountability and adherence to the highest standards of conduct. We strive to do the right thing and to do things right. Understanding, identifying and managing risk and reward is part of every employee's job.

The Risk teams provide direct support to the lines of business, and are responsible for establishing risk management policies, limits, standards, controls, metrics and thresholds within the defined corporate standards. They also set enterprise policies, programs and standards, assess program adherence, and provide enterprise-level risk oversight, reporting and monitoring for systemic risk issues. Global Risk employs 5,000 associates in more than 35 countries.

Key Responsibilities

• Assist in credit due diligence on large local corporate clients, review credit profiles, risk ratings, deal structures, credit terms, and industry outlooks etc. to ensure appropriate client selection and balanced risk return.
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• Assist in overseeing the overall credit risk management of the bank, covering a broad range of products including Loans, Trade, Derivatives, Leveraged Financing, Syndications, Leasing, and Treasury Management etc.
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• Coordinate credit risk inputs to regulatory reports. Assist the team with various enquiries from regulators as well as external / internal auditors on credit-related matters.
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• Manage credit exposure associated with MNC clients to ensure local underwriting and monitoring fulfill all the regulatory requirements.
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• Engage in writing and updating credit policies, procedures and credit manuals
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• Assist in periodical portfolio review, industry analysis and other tasks as assigned.

Key Requirements

• Up to 3 years of working experience in accounting, audit or financial analysis. Fresh graduates with outstanding academic achievement may be considered
• Degree holder major in accounting and finance and strong interest in company financing would be advantageous
• Strong quantitative and analytical skills
• Advanced Excel skills (pivot tables, V-look ups) will be an advantage
• Effective verbal and written communication
• comfortable with change and adjust to changing demands and requirements
• Strong team player and client focused
• Demonstrate energy and drive
• Show a keen interest in the business you are applying to
• Fluency in English is essential, appropriate Asian language skills are also essential for some roles and countries
  
  

About Bank of America:

Our purpose as a firm is to make financial lives better, through the power of every connection. Across the world, we partner with leading corporate and institutional investors through our offices in more than 35 countries. In the U.S. alone, we serve almost all of the Fortune 500 companies and approximately 67 million consumer and small-business clients. We provide a full suite of financial products and services, from banking and investments to asset and risk management. We cover a broad range of asset classes, making us a global leader in corporate and investment banking, sales and trading.

Connecting Asia Pacific to the World

Our Asia Pacific team is spread across 19 cities in 12 markets. We are focused on connecting Asia to the world and the world to Asia, using our global expertise to ensure success is shared between us, our clients and our communities. Our regional footprint covers 12 currencies, more than a dozen languages and five time zones, placing us firmly among the region’s leading financial services companies.