Associate Real Estate Finance - Corporate Banking in London

London Full-Time On-site

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Corporate Banking is a client facing department, responsible for marketing, onboarding and ongoing management of the client relationship, providing loan business to the clients as well as promoting ancillary business according to the Bank’s business strategy and risk appetite. As an Associate Real Estate Finance - Corporate Banking, you will participate in the Bank’s corporate banking business in Real Estate Finance (REF) business area in line with the Bank’s business strategy and risk and compliance requirements. This is a full time permanent position.

Key responsibilities

Support the management of new REF transactions from start to finish, including analysis, structuring, negotiation, origination, credit process and documentation
Liaise with third party professionals such as Valuer, Monitoring Surveyor and Legal Counsel including agreeing scope of works, obtaining fee quotes, preparing and issuing instruction letters
Support with reviewing and providing feedback/comments on property, tax, financial and legal due diligence reports, such as Overview of Certificate on Titles, Right of Lights, Monitoring Surveyor Report, Environmental Report and Valuation Report
Assist in reviewing and negotiating facility and security documentation and address issues highlighted in due diligence reports, and coordinate with internal and external parties to complete deal execution, closing and drawdown processes
Assist in preparing marketing and training materials and coordinating client/internal presentations
Conduct portfolio and performance analysis, prepare MI reports for Head Office and Management, and undertake regular market and industry research to increase the customer base in line with the Bank's risk appetite and credit policy
Undertake new transactions such as producing term sheet, constructing excel debt modelling, researches and completion of due diligence on the deal and completing credit papers for new businesses
Complete pre- and post-lending tasks, including KYC/KYB compliance, covenant monitoring and annual reviews, in accordance with the Bank's internal policies, guidelines and regulatory requirements
Assist in expanding Commercial Real Estate business, reviewing industry strategy and developing client relationships, including cross-selling corporate banking products and liaising with Head Office, sister branches and the domestic network to support existing and target clients

Requirements

Degree educated in Finance, Accounting, Business, Economics, or other relevant subject
Demonstrated experience in a Corporate Banking or Credit role within Banking industry
Experience in Real Estate Finance business is preferred
Understanding of general and structured corporate financing activities, as well as general and structured corporate banking products and services
Understanding of finance and security documentation, both bilateral and syndicated
Ability to navigate around and understand a loan agreement and related financial documents
Good quantitative and qualitative credit analysis skills, with excellent financial modelling skills
Knowledge of regulatory, legislative requirements and industry practice for the financial crime disciplines, including AML/CTF, fraud, sanctions and ABC
Excellent communication skills
Fluency in Mandarin is preferred
Proven analytical skills, business judgment and acumen
Team player
Highly organised

Working here

Having a presence in the UK for more than 90 years, Bank of China London Branch has been providing an excellent financial service to the market and maintain its competitive edge as an international bank operated in the UK. It has employees in over 33 countries, and it is one of the most internationalised overseas branch in the Bank of China Group. The Bank values the diversity of its employees and aims to create an inclusive environment where everyone can speak up and enjoy the equal opportunities to grow both personally and professionally.

Learning and Development

We strive to offer you a continuous learning environment and we will invest in your development. We provide personalised and varied learning tools to support your growth and career through:

access to the best in class qualifications from leading professional bodies such as the Professional Bankers Certificate and Green & Sustainable Finance Certificate from the Chartered Banker Institute
24/7 on-demand access to over 600 e-tutorials to build and refresh core and advanced banking knowledge
regular pan-bank stay connected sessions to keep in touch with what is going on across the bank and build your network
exploring your unique and collective strengths and development areas to become the best version of yourself using the globally renowned Insights personality profile
developing our People Managers to help coach and guide you towards success, through our 9-month People Manager Development Programme

encouraging a “growth” personal mindset and promoting continuous professional development (CPD) through annual events such as Learning at Work Week
embracing change in a fast-moving industry and encouraging a forward-looking perspective on career development to “future-proof” your career
promoting cross cultural intelligence and to seek out diverse and inclusive perspectives on challenges faced and their solutions

Benefits

We provide an attractive and comprehensive benefits package, offering flexibility that can enable you to select the benefits that suits your needs, including:

Complimentary
Lunch

Cycle to
work scheme

Retail
Discounts

Meet our People

Celine Luo
Assistant Vice President, Financial Crime and Compliance

Bank of China is a great platform for everyone who wants to gain different knowledge and self-development. I started as a Junior Associate and had the opportunities to gain invaluable working experience in two different departments. I am happily working here, as an Assistant Vice President in the Financial Crime and Compliance department. I believe I will continue to grow here, not only in my career development but also in my personal wellbeing.

Daniel Shulakov
Senior Associate,
Credit Management

I joined Bank of China as a university graduate and I believe I have found the best place for me. From the first day my priority was always to learn. This was quickly recognised by my department, which provided me with the platform to grow, and my colleagues have been very helpful in the guidance they have provided me with along my journey. There are ample opportunities to grow with the Bank and it all depends on how much one would like to develop themselves.

Rita Cobbold
Vice President – Head of Customer Due Diligence, CFU Middle Office

I have been working at Bank of China for almost 8 years. In March 2022 I was promoted to VP - Head of Customer Due Diligence and I lead the CDD Unit. There are so many great things about working for the company. My favourite is probably the Bank’s commitment to identifying talent and nurturing them to develop into great leaders. The Bank embraces employees of all experience levels, backgrounds, and beliefs. They understand the value of a diverse team and make efforts to hire a variety of people. Working here has really enhanced my knowledge, my understanding of different cultures, leadership skills and a sense of direction for the future.

Ashley Watson
AVP – Security Operations & Risk Manager, General Administration

Over the past four years at Bank of China UK, I have had the opportunity to grow both professionally and personally in my role as the Security Operations and Risk Manager. My role involves safeguarding the bank’s operations through robust risk management and proactive security strategies. Every day brings new challenges, and the dynamic nature of the role keeps me engaged and motivated. One of the most rewarding aspects of working here is being part of a truly diverse and multicultural environment. Collaborating with colleagues from different backgrounds has broadened my perspective and enriched both my professional and personal experiences.