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YOUR CAREER PATH BEGINS AT BCM
Established in 1974, BCM has been one of the leading financial institutions in Macau providing comprehensive and consolidated financial products and services, actively serving its customers and contributing to the development of the Territory's economy with 14 branches and self-service banking centres covering all over Macau.
As an employer, BCM emphasizes employer-employee commitment with the aspiration of making BCM not just a bank, but a home. In addition to providing its staff members with a comprehensive remuneration package and benefits, BCM actively advocates and promotes Staff Engagement, Work-Life Balance and two-way Communication through establishing an open and engaging corporate culture. Management of BCM is committed to build the organization as one of the best work places in Macau, such that our staff can be at their best to learn, grow, achieve and contribute, for a fulfilling career. We recognize the hard work of our staff and value their ideas, providing ample opportunities for them to speak up. If you are looking for a career instead of a job, BCM is the right place for you to set off your career path.
We are inviting competent and highly-motivated candidates to join us in providing the highest standard of financial services to our customers. Invest in your future by joining us to invest in your career!
Posts are opened for the following areas:
BRANCH MANAGEMENT
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Manager |
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Responsibilities: |
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- To assist Head of Branch Management in ensuring all branches are operated in accordance with establish rules and procedures
- Responsible for allocation of resources with branches
- To support Head of Branch Management to monitor branches to achieve the targets
- To provide guidance and arrange trainings to branches for operation problems
- To liaise with internal departments to streamline administrative process
- To perform other duties as assigned from time to time by superiors
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Requirements: |
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- University degree is preferable
- Minimum 3-5 years relevant experience in branch operations or other business area
- Adequate knowledge of retail products, branch services and operations
- Good experience in supervisory role and communication skills
- Good command of written and spoken English, Chinese and PC knowledge
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Branch Manager |
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Responsibilities: |
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- To manage the business and operations of designated retail branch(es) and ensure the provision of total retail banking solutions and good quality products / services to customers in an effective and efficient manner
- To ensure the branch daily operations in compliance with all regulatory / internal guidelines and policies as well as the bank’s risk control standards
- To manage sales staff or relationship managers to develop and cultivate close relationship with existing and new customers and solicit new business to the bank
- To explore business opportunities and implement strategic planning to achieve the designated targets defined by management
- To manage and train up branch staff in providing customer-centric services and solutions to customers
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Requirements: |
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- Degree holder with at least 8 years of experience in retail banking of which 3 years in supervisory level is highly preferable
- Sound knowledge of retail banking / wealth management and branch operations as well as products and services
- Strong leadership and interpersonal communication skills
- Independent, proactive, result-oriented and able to work under pressure
- Good command of spoken and written Chinese and English, whilst fluent Mandarin would be an advantage
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Deputy Branch Manager |
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Responsibilities: |
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- Provide assistance to Branch Manager to achieve the branch sales targets
- Explore business opportunity and cross-sell products to customers on need basis
- Promote banking products and services (including investment, insurance and loan products) to customer as well as to achieves the assigned sales targets of the branch
- Handle customer enquiries and deliver quality services to our customers
- View customer transaction report to ensure the bank's compliance and audit standards are met
- Perform credit activities including credit proposals and credit analysis
- Provide general banking services and information to customers
- Perform other tasks assigned by supervisors
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Requirements: |
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- University degree in Business Administration or Finance or relevant disciplines is preferable
- Minimum 5 years of experience in Retail Banking or other business area
- Familiar with retail products, branch services and operations
- Good command of written and spoken English and Chinese
- Good communication skills and interpersonal skills
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Relationship Manager |
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Responsibilities: |
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- To promote and solicit new business as well as to achieve sales targets of the branch
- To develop existing business activities and maintain good relationship with customers
- To perform credit activities including credit proposals and credit analysis
- To provide general banking services and information to customers
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Requirements: |
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- University degree holder preferable with 2 - 3 years of relevant experience in Retail Banking business or other business area
- Sound knowledge of retail financial products and services
- Good communication and interpersonal skills
- Good command of English and Chinese, written and spoken; Mandarin speaking an absolute advantage
- Self-motivated and able to work under pressure
- Candidate with less experience would be considered as Assistant Relationship Manager
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Senior Teller / Teller |
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Responsibilities: |
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- To handle all retail cash or non-cash transactions over counter
- To operate the ATM machine
- To promote bank or insurance products for retail customers
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Requirements: |
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- Form 6 graduate or above
- Basic spoken and written Chinese and English
- Good communication and interpersonal skills
- Candidate with relevant experience would be considered as Senior Teller
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CALL CENTRE
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Senior Customer Service Officer |
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Responsibilities: |
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- To deliver multilingual and professional banking services over the telephone
- Work collaboratively with teammates or internal departments to solve customer issues in an efficient and effective manner
- To participate in telemarketing of designated banking products and services
- To handle customer complaints and feedback
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Requirements: |
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- Diploma or degree holder
- Customer-focused with good communication and interpersonal skills
- Proactive and positive to work, able to work under pressure
- Good command of spoken and written English and Chinese (both Cantonese and Mandarin)
- With Insurance License is an advantage
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COMMERCIAL BANKING
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Senior Relationship Manager / Relationship Manager |
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Responsibilities: |
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- Manage a customer portfolio of commercial banking clients, which include mid-cap, large corporates and/or SMEs engaging in industries of trading and manufacturing, wholesale and retail, construction, as well as real estate development
- Execute business development plans directed by team head and division head
- Monitor credit quality of lending relationships by preparing credit proposals, proactive assessment of client performance and identifying early warning signals
- Conduct customer due diligence on ongoing basis
- Collaborate with product partners, including Trade Services, Transaction Banking and Treasury, to deepen client relationships
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Requirements: |
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- Degree holder, preferably in Business Administration, Accounting, Banking and Finance
- 3-4 years’ (or 5-8 years’ for Senior Relationship Manager) experience of customer relationship management with track record of achieving assigned business targets; commercial banking experience is a definite advantage but not a must (as technical and on-the-job training will be provided)
- Good presentation and communication skills, including written English
- Self-driven, customer-oriented and able to collaborate within a team
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COMMERCIAL VIP BANKING
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Relationship Manager |
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Responsibilities: |
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- To provide VIP banking services to VIP customers under CORP segment
- To explore wealth management business opportunities with assigned customer portfolio
- To fulfil the assigned targets include but not limited to WM commission income, new accounts, etc.
- To conduct investment deal transactions
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Requirements: |
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- Degree holder majoring in Business Administration & Finance/Accounting
- 1 year or above of banking experience in wealth management business in reputable banks
- Preferably holder of CFP and other relevant professional qualifications
- Good command of written and spoken English and Chinese, fluent Mandarin would be an advantage
- Good command of MS Office including Word, Excel and PowerPoint
- Good communication skills and interpersonal skills
- Highly responsible and self-motivated with good problem-solving skills
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COMPLIANCE OFFICE
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Senior Manager |
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Responsibilities: |
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- To perform all compliance and AML functions, logistic planning and system enhancement to ensure that the Bank adheres to relevant internal and regulatory requirements
- To provide support in development and implementation of compliance policies and programs
- To perform regular compliance checking and reviews on the Bank’s various activities
- To formulate compliance related policies, guidelines and management reports
- To communicate with various counter-parties of the Bank and provide compliance related advice
- To perform ad-hoc tasks as assigned
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Requirements: |
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- University graduated or above with a minimum of 8 years in banking AML or compliance field focus AML, KYC area
- Strong knowledge in Macau banking compliance, laws and regulatory requirements
- Holder of CAMLP, ACAMS or relevant qualification will be an advantage
- Mature, well-organized, and strong sense of responsibility
- Team player, strong communication, expression and interpersonal skills
- Excellent problem-solving and analytical abilities
- High proficiency in spoken and written English and Chinese
- Candidates with less experiences would be considered as Manager
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HUMAN RESOURCES AND TRAINING
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Head of Human Resources and Training |
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Responsibilities: |
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- Oversee the efficiency and effectiveness of the daily operations of the department
- Develop policies and control measures regarding human resources management, employment, staff remuneration and benefits
- Conduct research & analysis on latest market trend including staff turnover, remuneration and benefits, and formulate staff retention strategies and recommend changes as deemed appropriate
- Coordinate the administration of employee wellness, recreation and benefits programs
- Develop and deliver staff training programs to meet business needs and regulatory requirements
- Participate in annual manpower planning and prepare the budget for the department
- Ensure work of the department is in compliance with the Labour Relations Law, tax law and other regulatory requirements. Handle the staff grievance and labour dispute cases as and when needed
- Supervise, train and develop subordinates to ensure smooth operations of the department
- Implement and promote any initiatives established by the Group
- Provide human resources related support to all the subsidiaries of the Group located in Macau
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Requirements: |
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- University degree in Human Resources Management or relevant disciplines
- Minimum 10 years of experience in Human Resources Management of which at least 5 years in managerial level
- Familiar with local employment-related laws and other internal and external regulatory requirements
- Good command of written and spoken English and Chinese, fluent Mandarin is an advantage
- Proactive, independent, assertive and effective in problem solving and strategic planning
- Strong communication and inter-personal skills, good analytical and presentation skills
For applying this position, please email your resume indicating your present and expected salary to hrtdept@bcm.com.mo.
(All information provided will be treated in strict confidentiality and used solely for recruitment purposes and handled by the Human Resources Department of the Group Head office and BCM Bank at the same time.) |
INFORMATION TECHNOLOGY
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Manager – Application Development Team |
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Responsibilities: |
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- Lead a team of developers and manage them in the day-to-day performance of their jobs
- Oversee the application development projects to ensure them to be delivered on time and within budget while maintaining the highest level of quality
- Transform business and functional requirements into technical design with the ability to balance the user needs and the technical restraints
- Deliver management and control reports to the department head and to senior management
- Manage support on system stability and perform troubleshooting in a timely manner
- Develop and maintain effective working relationships among teams and external project sponsors and vendors
- Provide technical leadership and inspire the team members
- Direct subordinate to implement IT controls timely to meet IT compliance requirements
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Requirements: |
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- Minimum 5 Years' of working experience in managing banking solution with at least 2 years of management experience
- Bachelor’s degree in Information Systems, Computer Science, or equivalent combination of education and experience
- Rich knowledge of banking processes and products
- Possess development and managerial skills to lead software developers
- Solid experience in banking system
- Solid experience in AS/400 and RPG
- Working knowledge of database and SQL
- Rich experience in project management skills
- Excellent verbal and written communication skills
- Excellent problem-solving skill and critical thinking mindset
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System Analyst / Senior Programmer |
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Responsibilities: |
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- Understand user requirements to produce system designs
- Transform specifications into functional codes
- Collaborate with the team members and vendors to implement the project plans
- Participate in design, development, implementation, installation, testing and deployment of application systems projects
- Test systems and troubleshoot in a timely manner
- Create documentation on the functionality and requirements
- Manage support on system stability and perform troubleshooting in a timely manner
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Requirements: |
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- Working experience in developing banking applications, web and mobile app solution with hands-on design and coding
- Working knowledge of database and SQL
- An analytical mindset and critical thinking
- Strong communication skill with good teamwork spirit
- Initiative and have strong desire to learn and make advance
- Have great sense of responsibility
- A degree in Information Systems or related fields
- Experience in project management, with IT projects in banking industry is an advantage
- Experience in AS/400 is a plus but not essential
- Candidates with less experience will be considered as Junior Programmer
- Fresh graduate will also be considered
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RETAIL DIRECT SALES
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Relationship Manager |
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Responsibilities: |
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- To advise and manage existing customer’s portfolio to meet their financial needs
- To solicit new commercial / retail loan business from potential and existing customers
- To establish and maintain a good relationship with existing and potential customers
- To provide professional and quality customer services
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Requirements: |
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- University degree with a minimum of 3 years’ banking experience with strong clientele, preferably gained in Retail/Commercial Banking
- Strong knowledge of loan products
- Good command of written and spoken English and Chinese
- Good communication, interpersonal and negotiation skills
- Highly independent and result-oriented
- Self-motivated and able to work under pressure
- Candidate with more experience would be considered as Senior Relationship Manager
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RETAIL OPERATIONS AND CONTROL
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Deputy Manager |
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Responsibilities: |
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- Support the Department Head with a centralized oversight of all operational issues of Retail Banking Division
- Review and update internal guidelines and procedures in relation to retail operation issues
- Assist in follow up of risk issues / exceptions arising in Retail Banking Division
- Handle regular operation & compliance reports in relation to Retail Banking Division
- Perform regular reviews and quality checks on retail branches/ RBD departments to maintain AML and operation control measures
- Conduct other duties as assigned by superior from time to time
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Requirements: |
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- Bachelor's degree holder or above, preferably in Business Administration
- Minimum of 5 years’ experience in banking sector, preferably in Retail Banking
- Strong knowledge of banking products, services and operations
- Familiar with KYC process and basic knowledge of AML/ CFT issues
- Prudent and innovative, strong leadership, coaching and communications skills
- Excellent writing skills in Chinese and English
- Candidate with less experience will be considered as Senior Officer
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TRANSACTION BANKING
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Deputy Manager |
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Responsibilities: |
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- Achieve sales targets through identification of clients’ need and devising appropriate solutions from a range of available transaction banking services
- Work closely with relationship managers to source new prospects and cross-sell to existing clients to generate warm leads in order to build a healthy sales pipeline
- Structuring and pitching appropriate solutions, making effective pitches, and delivering client mandates seamlessly
- Conduct insightful analysis to understand customer needs to facilitate and enhance product development
- Streamline end-to-end processes to reduce processing time and improve customer journey to achieve cash revenue targets
- Collaborate with stakeholders in planning, development and implementation of creative and cost-effective marketing campaigns to drive the Bank’s deposits growth, enhance deposit and banking services, and create incremental revenue to the business
- Ensure full compliance of the Bank’s policies and procedures, relevant banking ordinances, and other regulatory requirements
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Requirements: |
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- Degree in Business Administration, Marketing, e-Commerce or related disciplines
- At least 4 years’ experience in Banking sector, with at least two years in supervisory level
- Well-orgnaized with good supervisory and interpersonal skill
- Good in interpersonal, influencing and negotiation skills
- Able to work independently and competent in handle different tasks
- Good command of written and spoken English and Chinese
- Knowledge of Mandarin and Portuguese is an advantage
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TREASURY SALES
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Treasury Sales Officer |
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Responsibilities: |
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- To develop the Treasury products for yield enhancement for both personal and commercial customers
- To analyze market situation and identify market opportunities
- To conduct training sessions to relationship managers to raise awareness and understanding of Treasury products
- To meet customers with Joint appointments with relationship managers
- To produce regular performance reports and data mine statistics
- To conduct the business within the limits, compliance and regulatory framework in place from time to time
- To perform ad-hoc tasks as assigned
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Requirements: |
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- University degree preferably in Business Administration, Banking, Finance and Accounting, with a minimum of 1 - 2 years of banking experience
- Strong knowledge in financial calculation
- Good communication, interpersonal and negotiation skills
- Excellent problem-solving and analytical abilities
- Highly independent and result-oriented
- Good command of English and Chinese. Fluent Mandarin will be an advantage
- Candidate with more experience would be considered as Treasury Sales Senior Officer
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We offer competitive remuneration, guaranteed double pay, discretionary performance bonus, 5-day workweek, bank holidays, attractive annual leave, medical and life insurance, and pension scheme to the successful candidate. For a dynamic career, please send your resume indicating date available, present and expected salary to Human Resources and Training Department, Banco Comercial de Macau, S.A., Avenida da Praia Grande No. 572, Edf. BCM, 7 andar, Macau or fax to 8791 0423 or e-mail to career@bcm.com.mo (unless otherwise specify in the recruitment advertisement).
(All information provided will be treated in strict confidentiality and used solely for recruitment purposes and handled by the Human Resources Department of the Group Head office and BCM Bank at the same time.)
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