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YOUR CAREER PATH BEGINS AT BCM

BCM bank is one of the leading financial institutions in Macau. Established in 1974, BCM bank has been serving its local customers and working for the development of the Territory's economy by supporting its main infrastructural investment projects and being traditionally specialized in the trade finance.

We are inviting highly motivated candidates to join the bank in providing the highest standard of financial services to customers. Posts are opened for the following areas:

 

- COMMERCIAL BANKING

- COMPLIANCE

- CREDIT ADMINISTRATION

- CREDIT APPROVAL

- CREDIT RECOVERY

- INFORMATION TECHNOLOGY

- RETAIL BANKING

- RETAIL DIRECT SALES

- RISK MANAGEMENT AND CONTROL

- VIP BANKING / WEALTH MANAGEMENT

- OTHER DEPARTMENTS







COMMERCIAL BANKING

Team Head
  Responsibilities:
 
  • Lead a team of Relationship Managers to grow the 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
  • Design and execute business initiatives for Relationship Managers to deepen client relationships
  • Monitor and track performance of team members, identify areas of improvement and provide necessary coaching and guidance
  • Act in capacity of a people manager in relation to motivation, training, recruitment & retention
  • Act as the first line of defense in terms of credit risk, financial crime risk and other operating risk to protect the position of the bank
  • Collaborate with product partners, including Trade Services, Transaction Banking and Treasury, to deepen client relationships

  Requirements:
 
  • Degree holder, preferably in Business Administration, Accounting, Banking and Finance
  • 8 years’ experience of commercial banking customer relationship management with track record of achieving assigned business targets
  • Good presentation and communication skills, including written English
  • People management experience is a definite advantage but not a must

 

Senior Relationship Manager / Relationship Manager
  Responsibilities:
 
  • 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  

  Requirements:
 
  • 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





COMPLIANCE

Manager
  Responsibilities:
 
  • To perform all compliance and AML functions, logistic planning and system enhancement to ensure that the Bank adheres to relevant legal and regulatory requirements
  • To provide support in development and implementation of compliance policies and programs
  • To draft and review legal documents and to provide regulatory and legal advice to all Bank departments
  • To perform periodic compliance reviews on the Bank’s various activities
  • To perform transaction monitoring for identifying any suspicious transactions
  • To prepare documentation for filing suspicious transaction reports
  • To formulate compliance related policies, guidelines and management reports
  • To handle regulatory and audit inquiries
  • To communicate with various counter-parties of the Bank and provide compliance related advice

  Requirements:
 
  • University graduated or above with a minimum of 7 years of practical experience in banking industry, preferably with working experience in compliance, legal, internal audit, risk management or customer due diligence
  • Holder of ACCA/CFA/LLB, CAMLP, CAMS or relevant qualification will be an advantage
  • Strong knowledge in Macau banking compliance, laws and regulatory requirements
  • Self-motivated, independent, and pleasant personality with good communication and interpersonal skills
  • High proficiency in spoken and written English and Chinese
  • Candidates with less experience would be considered as Deputy Manager

 

Senior Officer
  Responsibilities:
 
  • To provide support in performing compliance and AML functions to ensure that the Bank adheres to relevant legal and regulatory requirements
  • To provide support in development and implementation of compliance policies and programs
  • To perform transaction monitoring for identifying any suspicious transactions
  • To prepare documentation for filing suspicious transaction reports
  • To perform periodic compliance reviews on the Bank’s various activities
  • To assist in preparing internal management and regulatory reports
  • To provide advice in relation to inquiries from internal departments
  • To provide support in AML & compliance-related tasks

  Requirements:
 
  • University graduate with a minimum of 4 years of practical experience in banking industry
  • Holder of ACCA/CFA/LLB, CAMLP, CAMS or relevant qualification will be an advantage
  • Knowledge in banking system, products and operations will be an advantage
  • Knowledge in Macau banking laws, rules and regulatory requirements will be an advantage
  • Self-motivated, independent and pleasant personality with good communication and interpersonal skills
  • High proficiency in spoken and written English and Chinese
  • Candidates with less experience would be considered as Officer

 

Officer
  Responsibilities:
 
  • To provide support in performing compliance and AML functions to ensure that the Bank adheres to relevant legal and regulatory requirements
  • To perform transaction monitoring for identifying any suspicious transactions
  • To perform periodic compliance reviews under the supervision of senior staff members on the Bank’s various activities
  • To assist in answering inquiries from internal departments
  • To provide support in AML & compliance-related tasks

  Requirements:
 
  • University graduate with a minimum of 3 years of practical experience in banking industry
  • Knowledge in banking system, products and operations will be an advantage
  • Knowledge in Macau banking laws, rules and regulatory requirements will be an advantage
  • Self-motivated, independent and pleasant personality with good communication and interpersonal skills
  • High proficiency in spoken and written English and Chinese
  • Candidates with more experience would be considered as Senior Officer





CREDIT ADMINISTRATION

Senior Officer
  Responsibilities:
 
  • To check and ensure retail and corporate customers signed documents which are properly signed upon bank’s requirement
  • To ensure all conditions precedent are complied with prior to limit dispatch/ loan drawdown
  • To ensure proper dispatch of credit facilities, perform checking the accuracy of credit limit, collateral records and other related information input in systems
  • To act as the Bank's representative in signing deeds and bank guarantee
  • To control the recording, deposit and withdrawal of the security documentations properly
  • To meet service performance pledge for responsible jobs
  • To supervise subordinates in handling counter services smoothly

  Requirements:
 
  • University graduate with a minimum of 4 years relevant experience of which 2 years must be in officer level
  • Experience in handling syndication loan documents is preferred
  • Sound knowledge of MS Office including Excel and Word
  • Knowledge in business intelligence, data analytics or data science will be an added advantage
  • Proficiency in both English and Chinese
  • Able to work independently and under pressure
  • Candidate with less experience would be considered for the position of Officer





CREDIT APPROVAL

Officer
  Responsibilities:
 
  • Conduct risk assessment and make recommendation on retail and corporate credit applications
  • Prepare customer credit review and various stress tests
  • Identify and assess potential problematic credit accounts
  • Collaborate with business units and assess various market information/ event and internal and external early warning signal to detect potential problem accounts for risk management
  • Assist Risk Management Division in formulating credit policies, guidelines and procedures of credit activities undertaken by the bank

  Requirements:
 
  • University graduate (Accounting, Finance or related disciplines is preferred) with a minimum of 4 years' relevant experience
  • Solid knowledge in banking products/operations, accounting and financial analysis
  • Good command of MS Office including Word, Excel and Access
  • Good command of written and spoken English and Chinese
  • Good communication and interpersonal skills
  • Self-motivated and able to work under pressure, team player and receptive to changes and challenges

 

Senior Officer / Assistant Manager (Credit Risk Governance and Reporting)
  Responsibilities:
 
  • To prepare accurate risk management reports and regulatory return in a timely manner and in accordance with internal guidelines, credit policies and regulatory requirements
  • To prepare and update risk policy, procedure, guideline and manual according to the latest risk related statutory requirements, threats and market development
  • To support risk assessment modeling, credit scoring, forecasting and analyze potential risks of new products and services (and of significant changes to existing products and services)
  • To conduct stress testing to assess the risk profile of the Bank under stressed conditions and reporting the results to the Board (or/and its Risk Management Committees) and senior management
  • To prepare accurate, reliable and comprehensible risk information to the Board, Risk Management Committees and senior management and that all identified risk management issues or concerns (together with any proposed risk-mitigating actions) are promptly reported to them
  • To prepare and participate in formulating budgets and forecasts for credit portfolio management and expected credit loss modelling and validation
  • To support for risk management related examination or field audit by AMCM, HKMA, external and internal auditors and statutory inquiries

  Requirements:
 
  • Degree holder in Data Analytics, Accounting, Finance or Risk Management related disciplines
  • Minimum 5 years of experience in banking industry (financial analysis, risk management, data analytics preferred)
  • Knowledge in business intelligence, data analytics or data science will be an added advantage
  • Solid knowledge in banking products, operations, accounting, financial analysis and related computer skills
  • Good command of written and spoken English and Chinese
  • Good command of MS Office including Word, Excel and PowerPoint
  • Good project management, leadership analytical, interpersonal and communication skills
  • Candidate with less experience would be considered for the position of Senior Officer





CREDIT RECOVERY

Senior Officer
  Responsibilities:
 
  • To prepare documents for taking legal action against the bad debt clients
  • To monitor the lawsuit history and the workflow of credit recovery for all delinquent cases and overdue loans and make decision for appropriate action
  • To monitor the completion of yearly and quarterly valuation on the mortgaged properties of bad debts
  • To negotiate with debtors for debt restructuring
  • To handle the delinquent accounts and restructured facilities

  Requirements:
 
  • University graduate with a minimum of 4 years’ experience of which 2 years must be in officer level
  • Experience in handling cases of debt recovery is preferred
  • Well-reversed of Macau legal proceedings in debt recovery
  • Sound knowledge of MS Office including Word and Excel
  • Proficiency in both English and Chinese
  • Good communication and interpersonal skills
  • Able to work independently and under pressure
  • Candidates with less experience would be considered as Officer





INFORMATION TECHNOLOGY

Deputy Manger (Software Development)
  Responsibilities:
 
  • Lead a team of developers and manage resources and tasks across the team
  • Oversee and participate in all project phases to ensure teams be delivering all work on time and within budget while maintaining the high level of quality
  • Transform business and functional requirements into technical design and codes
  • Manage support on system stability and perform troubleshooting in a timely manner
  • Develop and maintain effective working relationships with project sponsors and vendors
  • Actively manage, track and report the projects status to senior management
  • Maintain functional and technical documentation
  • Provide technical leadership and inspire the team members

  Requirements:
 
  • Minimum of 4 year working experience in developing web and mobile app solution with hands-on design and coding
  • Bachelor’s degree in Information Systems, Computer Science, or equivalent combination of education and experience
  • Working knowledge of database and SQL
  • Excellent verbal and written communication skills
  • Strong problem-solving skill and critical thinking mindset
  • Experience in project management skills, with IT projects in banking industry as an advantage
  • Experience in AS/400 is a plus but not essential

 

Deputy Manger (System Support & Security Team)
  Responsibilities:
 
  • Lead a team to maintain system, network, and IT security control as normal
  • Oversee and participate in all related project phases to ensure teams be delivering all work on time and within budget while maintaining the high level of quality
  • Administer network, firewall, network design, Active Directory structures and email system
  • Manage and monitor all related security controls, e.g. system and network hardening, security patching on time
  • Perform security monitoring to make sure the bank security controls compliant with Group standards and regulatory requirement
  • Conduct the primary investigation if any security incident happened
  • Actively manage, track and report the system or security projects status to management
  • Maintain functional and technical documentation
  • Provide technical leadership and inspire the team members

  Requirements:
 
  • Minimum of 4 year working experience in the field of IT, and at least 1 years’ experience in IT security control area
  • Bachelor’s degree in Information Systems, Computer Science, or equivalent combination of education and experience
  • Working knowledge of Microsoft Active Directory, Exchange, Email structure and malicious file analysis
  • Excellent verbal and written communication skills
  • Strong problem-solving skill and critical thinking mindset
  • Experience in project management skills, with IT projects in banking industry is an advantage
  • Experience in Penetration Test/Red Team is a plus but not essential

 

Officer
  Responsibilities:
 
  • Understand user requirements to produce system design
  • Transform specifications into functional codes
  • Collaborate with the team members to implement the project plans
  • Test systems and troubleshoot in a timely manner
  • Install, upgrade or set up software according to plan and defined procedures
  • Monitor computer operations and execute actions to fix problems/errors
  • Create documentation on the functionality and requirements

  Requirements:
 
  • A degree in Information Systems or related fields
  • An analytical mindset, critical thinking, diagnostic and problem-solving skills
  • Strong communication skill with good teamwork spirit
  • Knowledge of programming languages
  • Knowledge of command language for multiple processing and peripheral equipment
  • Ability to perform tasks according to the defined computer job control procedures
  • Experience in AS/400 is a plus but not essential





RETAIL BANKING

Branch Manager
  Responsibilities:
 
  • 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

  Requirements:
 
  • 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

 

Relationship Manager
  Responsibilities:
 
  • 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   

  Requirements:
 
  • University degree holder preferable with 2 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

 

Customer Service Officer
  Responsibilities:
 
  • To handle all kinds of customer requests including account opening, application of credit card, ATM card, cheque book, etc.
  • To handle customer complaints
  • To sell banking and insurance products

  Requirements:
 
  • Form 6 graduate or above with a minimum of 1 year's relevant experience
  • Basic command of written and spoken English and Chinese
  • Good communication and interpersonal skills





RETAIL DIRECT SALES

Relationship Officer
  Responsibilities:
 
  • 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

  Requirements:
 
  • 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





RISK MANAGEMENT AND CONTROL

Senior Officer / Assistant Manager
  Responsibilities:
 
  • To assist to establish a 2nd line of defense for Risk Management Framework including the related policies and procedures
  • To assist to promote a strong Risk Management culture
  • To ensure adherence to the Risk Management Framework in the identification, assessment, mitigation and control and monitoring of risk
  • To ensure sufficient traction and follow through action to mitigate identified risk exposure
  • To carry out risk data and information analysis
  • To keep abreast of the latest risk related statutory requirements, threats and market development
  • To assist the Chief Risk Officer in accomplishing the division objections

  Requirements:
 
  • Degree holder in Business, Finance, Accounting Banking or Management
  • At least [5] years experience in relevant disciplines
  • Solid understanding of the operations of banks
  • Sound knowledge of Risk Management, regulatory requirements and any other guidelines or circulars issued by the AMCM
  • Knowledge in business intelligence, data analytics or data science will be an added advantage
  • Good command of written and spoken English and Chinese
  • Good command of MS Office including Word, Excel and PowerPoint
  • Good project management, leadership analytical, interpersonal and communication skills
  • Candidate with less experience would be considered for the position of Senior Officer





VIP BANKING / WEALTH MANAGEMENT

Head of VIP Banking / Wealth Management
  Responsibilities:
 
  • To develop product expertise to serve customers’ transaction or support business areas
  • To develop a comprehensive range of product, including but not limited to Wealth Management product to fulfill the needs of VIP customers
  • To support business segments, in particular Relationship Managers, to grow customer base and transactions
  • To drive up the income streams from VIP customer, in particular on Wealth Management products
  • To develop and review / renew of related documentation regarding the investment services (e.g. Policies, Working Procedures / Guidelines, specific documentation / forms and training materials)
  • To perform training and coaching for Investment services sales staff
  • To develop and maintain working relationships with related Investment services units

  Requirements:
 
  • Preferably Degree holder majoring in Business Administration / Finance / Accounting.  Master degree will be an advantage
  • Preferably 7 years of above of banking experience in Retail / Private and Investment Banking in reputable banks
  • Preferably holder of CFA, 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 and interpersonal skills
  • Highly responsible and self-motivated with good problem-solving skills

 

Relationship Manager
  Responsibilities:
 
  • To provide VIP banking services to VIP customers
  • To explore wealth management business opportunities with assigned customer portfolio
  • To achieve the assigned targets e.g. commission income, new accounts, etc.
  • To conduct investment deal transactions

  Requirements:
 
  • University degree holder in Business Administration, Finance or Accounting preferably with professional qualifications such as CFA, CFP, CFMP, etc.
  • Minimum 3 years’ banking experience in wealth management business
  • Good command of written and spoken English and Chinese, fluent Mandarin would be an advantage
  • Good communication and interpersonal skills
  • Proficient in MS Office including Word, Excel and PowerPoint
  • Highly responsible and self-motivated with good problem solving skills





OTHER DEPARTMENTS

Clerk
  Responsibilities:
 
  • To provide clerical and administrative support to department

  Requirements:
 
  • Form 6 graduate or above, preferably with relevant experience
  • Basic spoken and written Chinese and English
  • Proficiency in MS Word and Excel
  • Responsible, hardworking and good interpersonal skills

We offer highly competitive remuneration, guarantee double pay, discretionary performance bonus, 5-day work, bank holidays, attractive annual leave, comprehensive medical and life insurances 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 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.

(All information provided will be treated in strict confidence and used solely for recruitment purpose.)