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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

- COMPLIANCE OFFICE

- CREDIT APPROVAL

- CUSTOMER CARE AND INFORMATION UNIT

- DIGITAL BANKING

- RETAIL DIRECT SALES

- RISK MANAGEMENT

- STRATEGIC PLANNING, MARKETING AND CORPORATE COMMUNICATION

- TREASURY SALES

- VIP BANKING / WEALTH MANAGEMENT







Branch Management

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





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





CREDIT APPROVAL

Senior Manager
  Responsibilities:
 
  • Reporting to the Head of Commercial Credit Approval, you will be responsible for providing an independent assessment of credit proposals originated from the bank’s Commercial Banking Department, ensuring that they adhere to regulatory and policy guidelines and meet the bank’s credit standards, before approving or supporting to higher levels for approval. You will also be responsible for post-approval monitoring of the relevant client portfolio and other credit-related duties.

  Requirements:
 
  • Degree holder with minimum 8 years of credit related experience in commercial banking
  • Self-motivated and independent with an analytical mindset
  • Comfortable to deal with details
  • Good credit assessment skill, with sound knowledge in commercial banking loan products and proficiency in analyzing complex groups
  • Good verbal and written communication skills, and good team player





CUSTOMER CARE AND INFORMATION UNIT

Senior Officer / Officer
  Responsibilities:
 
  • Follow up account opening/maintenance documents
  • Perform QA function on documents and system input
  • Inquire, obtain and check information needed for the reply letter to Government Authorities and for Audit Confirmation
  • Coordinate with internal departments in respect of customer complaints and feedback handling
  • Scan, index and file the documents, and ensure the correctness
  • Perform other duties as assigned by supervisors from time to time

  Requirements:
 
  • Bachelor degree or minimum 3 years’ relevant banking operation experience
  • Familiar with accounts opening procedures
  • Proficient in using Microsoft Word, Excel and Power Point
  • Good command of written English and Chinese
  • Independent, initiative and responsible
  • Candidate with less experience will be considered as Senior Clerk





DIGITAL BANKING

Deputy Manager / Manager
  Responsibilities:
 
  • Assisting Head of Digital Banking to execute the system enhancements on personal banking digital initiatives
  • Keeping abreast to FinTech market trends and participating the development of new functionalities for personal eBanking platforms
  • Assisting Department Head to monitor the daily operations of Digital Banking Department
  • To liaise with the internal and external stakeholders for personal ebanking related affairs
  • Staying alert of market and regulatory changes, timely executing due diligence and other risk based diligence as required for personal eBanking platforms

  Requirements:
 
  • Degree holder in Business Administration, e-Commerce, Information Technology or related discipline preferable
  • At least 3 years’ hands-on experience in digital banking platform development or project management
  • Be highly aware of market trend, new technologies, new digitalized products and business models
  • Self-motivated, organized, creative and with strong analytical mindset
  • Excellent communication and interpersonal skill
  • Fluency in Cantonese / Putonghua & English and excellent writing skills in Chinese and English





RETAIL DIRECT SALES

Relationship Manager
  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

Chief Risk Officer
  Responsibilities:
 
  • To provide leadership and direction for, and supervise the team members in ensuring effective risk management of the Bank.  This will include ensuring efficiency in credit approval and loan disbursement process, managing efficient and effective recovery on default credits, handling legal proceedings for security perfection and for debt recovery actions, and administering the production of Expected Credit Loss
  • To ensure that all relevant risks of the Bank are properly identified, well understood, measured, controlled, assessed and reported.  This will include formulating appropriate risk management strategy, appetite, policies, risk limits and methodologies on risk control and analysis that are in line with market standards, fulfilling regulatory requirements and internal standards
  • To conduct periodic reviews on the Bank’s risk governance arrangements, and ensure that the Bank's risk management framework (including the Bank's risk appetite framework) and all related policies and control procedures are adequately implemented and working effectively.  This will include ensuring the escalation procedures are followed properly when the related risk policies and controls are violated
  • To be actively involved, at an early stage, in the Bank’s decision-making on business strategies and developments that may have implications for risk management.  This will include participating in joint customer-call with Business Unit should it be necessary for credit risk assessment purpose
  • To monitor (e.g. through an early warning or trigger system) the use of risk limits and ensuring that the risk limits are consistent with the Bank’s risk appetite. This will include ensuring that the credit exposures and transaction, and evaluation of credit assessment criteria to safe guard credit portfolio quality are up to the Bank's desirable standard and full compliance to regulatory requirement
  • To oversee and approve risk assessment models and internal rating systems (where applicable), and analysis the risks of new products and services (and of significant changes to existing products and services) and exceptional transactions
  • To conduct stress tests to assess the risk profile of the Bank under stressed conditions, and reporting the results of the stress tests to the Board (or/and its Risk Committee) and senior management. The results should also be incorporated into the Bank’s relevant risk management and business processes (e.g. review of the Bank’s risk appetite, capital planning, budgeting, establishment of contingency plans)
  • To provide accurate, reliable and comprehensible risk information to the Board, Risk Committee and senior management and ensure that all identified risk management issues or concerns (together with any proposed risk-mitigating actions) are promptly reported to them.  This will include Risk Management and Compliance Committee (RMCC), Credit Committee, Management Committee, Asset and Liability Committee, Anti-money Laundering and Counter-Terrorist Financing Committee of the Bank, and Group Operational Risk and Internal Control Committee (ORICC) of the Group
  • To alert the Board, Risk Committee and senior management to any other matters that may have a significant impact on the Bank’s financial position and risk profile (e.g. engagement in high risk activities that are not aligned with the Bank’s risk appetite)
  • To establish credit approval matrix and credit administration work flow to ensure smooth and efficient operation of the risk management function.  This will include ensuring adequate and appropriate expertise and risk control systems are in place;
  • To advise and assist Chief Executive of the Bank on all risk (both Financial and Non-financial ) management related issues
  • To be the main contact and coordinator in connection with risk management related matters or examination or field audit by AMCM/HKMA/external auditor/internal auditor and statutory inquiries.  This will include maintain close communication with the regulators and auditors on related risk issues

  Requirements:
 
  • University Degree holder or higher degree in Finance, Banking, Accounting, Legal or related disciplines
  • Minimum 12 years’ relevant experience in the risk management related areas in banking industry with at least 10 years’ experience in risk management and credit approval, and with at least 5 years’ experience in senior management role
  • Good knowledge in banking products and processes, treasury markets, local and international regulatory requirements
  • Thorough understanding in Macau Financial System Act, Commercial Code, related local laws / regulations, and local banking practice
  • Well-versed experience in security perfection and debt recovery procedures and practices
  • Logical mind with good analytical, leadership and communications skills
  • Good understanding in Macau economy, government policies and business practices
  • Balanced consideration in risk and business





STRATEGIC PLANNING, MARKETING AND CORPORATE COMMUNICATION

Senior Officer / Deputy Manager
  Responsibilities:
 
  • To assist in implementing/planning cost-effective marketing campaigns, activities, advertising and publicity in stimulating the business of the bank and maximizing the revenue return plus public awareness, including all banking and insurance products and services
  • To assist in making regular market review on different products and servies in keeping update of the most up-to-date information and reference of the banking industry both in Macau and HK, if relevant
  • To assist in data analysis for pre and post campaigns / promotions
  • To assist in managing card merchant networks and supporting the merchants acquiring service, plus joint promotional programs and activities
  • To support the team head in making regular updates of contents for all media channels
  • To assist in roadshows, branch opendays and other events or activities of the bank in performing different sales or promotional activities
  • To assist in controlling the campaign and promotional budgets approved by the bank from time to time
  • To assist in marketing communications materials and corporate communications and items preparation, including developing, implementing and working with designers

  Requirements:
 
  • Degree holder, preferably in Marketing Major
  • At least 2 years experience in Marketing or Marketing Communications area
  • Knowledge and experience related to handling graphic designs is an asset
  • Outgoing, competent and with good communication skills
  • Can work under pressure
  • Excellent command of written and spoken English and Chinese
  • Knowledge of Mandarin and Portuguese is an advantag





TREASURY SALES

Head
  Responsibilities:
 
  • Responsible for the development of treasury sales and marketing business which including hedging and yield enhancement solutions for both consumer and commercial clients
  • To plan and implement sales strategies and sales initiatives to grow the treasury income
  • Liaise and coordinate relationship managers to promote treasury business
  • Conduct training sessions to relationship managers to raise awareness and understanding of treasury products in order to help achieving their sale goals
  • Coach and mentor new relationship managers in treasury products and market knowledge
  • Perform joint appointments with relationship managers when such is required
  • Re-evaluate treasury system capacity and streamline the sales process
  • Broaden range of treasury products with the support of group treasury department
  • Produce regular performance reports, data mine statistics and business plan for short and medium terms
  • Managing the business within the limits, compliance and regulatory framework in place from time to time

  Requirements:
 
  • Degree holder, preferably in Business Administration, Banking, Finance and Accounting
  • Registered relevant individual (type 1 & 4) of HKMA
  • Minimum 8 years in treasury position, with sound knowledge in treasury products and procedures. Understanding of general banking products and consumer marketing techniques
  • Strong strategic planning skills and be able to drive initiatives to grow business volume
  • A team player, processing good communication and motivation skills
  • Capable to present and liaise with management level
  • Self driven, result oriented and desire to success
  • Good command of English and Chinese. Fluent Mandarin will be an advantage

 

Officer
  Responsibilities:
 
  • Responsible for the development of treasury products for purposes of hedging and yield enhancement for both personal and commercial clients
  • Conduct training sessions to relationship managers to raise awareness and understanding of treasury products in order to help achieving their sale goals
  • Re-evaluate treasury system capability and capacity, and streamline the sales process to facilitate an accurate and efficient selling, booking and monitoring mechanism is in place
  • Produce regular performance reports, data mine statistics and establish business plans for short and medium terms
  • Joint appointments with relationship managers when such is required
  • Managing the business within the limits, compliance and regulatory framework in place from time to time

  Requirements:
 
  • Degree holder, preferably in Business Administration, Banking, Finance and Accounting
  • Professional qualifications such as CFA, CFP, CFMP etc. will be advantage
  • Minimum 1 year of relevant banking experience with sound knowledge of financial products
  • Strong strategic planning skills and be able to drive initiatives to grow business volume
  • A team player, processing good communication and motivation skills
  • Self driven, result oriented and desire to success
  • Proficiency in MS Word, Excel and PowerPoint
  • Good command of English and Chinese. Fluent Mandarin will be an advantage






VIP BANKING / WEALTH MANAGEMENT

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

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.)