Personal Loan Assistant / Assistant Manager

As a Luxembourg-based bank since 1979, together with the global presence of Bank of China Group, Bank of China Luxembourg Branch has been successfully operating and continuously developing its business over the years. It contributes to the local and worldwide economic and social development. With more than 45 years of expertise and experience in the European markets, the bank extended its roots covering 15 institutions located in 13 European countries and becoming Bank of China Europe, since 2022.

Bank of China Europe adheres to the guidance of Bank of China 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.

Today, Bank of China Europe comprises an international workforce with a multicultural background of more than 30 different countries and regions with over 600 employees.                                                                                                                                                              

As our operations continue to grow, we are currently looking for a talented and motivated professional to join our team as:

Position: Personal Loan Assistant / Assistant Manager

We are looking for an organized and self-motivated Personal Loan Assistant or Assistant Manager (title depending on experience) to strengthen risk control in the personal loan business. The successful candidate will be responsible for conducting due diligence on new applications, monitoring the status of ongoing credit, enhancing post-loan management, and supervising the personal loan activities of subsidiaries. The role also involves conducting in-depth research on personal banking services and supporting the planning and execution of related marketing initiatives.

Main Responsibilities

Your key responsibilities will include (but are not limited to):

• Maintain and update policies and procedures related to the personal loan business.
• Coordinate and oversee day-to-day operations of the personal loan business line to ensure efficient delivery and risk control.
• Support relationship managers in client meetings; liaise with internal and external stakeholders involved in loan transactions.
• Review loan applications and conduct due diligence analysis; when required, present credit proposals for approval.
• Draft loan documentation in accordance with the Bank’s standard templates.
• Carry out post-lending management, including repayment monitoring, annual reviews, and collateral management; ensure proper maintenance of loan files and inventory records.
• Stay informed of industry standards, market practices, and regulatory developments.
• Support personal banking development through market research, business reporting for strategic decision-making, and contributing to targeted marketing initiatives.
• Other job responsibilities assigned by the department.

Technical Skills & Qualifications

• Education Background: Bachelor's degree or above in Finance, Accounting, Economic Management of Business-Related Studies
• Working experience: For Assistant position, between 0 to 2 years in a similar role within banking or financial sector; For Assistant Manager position, over 3 years in a similar role within banking or financial sector.
• Hard skills: Familiar with European and Luxembourg credit regulatory requirements; Advanced Microsoft Word and Excel proficiency
• Language: Fluent in English and Chinese is mandatory, French is an additional advantage

Soft Skills & Attributes

• Organized and self-motivated with strong attention to detail.
• Excellent communication, presentation and interpersonal skills.
• Strong problem-solving skills and ability to manage multiple priorities under tight deadlines.
• Teamwork