About the role

Operations Services department provides processing support for the front line business units handling trade finance, loan and cash management products. Operations Services department provides processing support for the front line business units handling trade finance, loan and cash management products. The department also includes the Business Risk & Controls, Financial Crime Operations, and Facilities Management. As a Junior Assistant Mortgage Administration - Mandarin Speaking, you will be responsible for overseeing the processing of retail mortgage loans and maintaining associated security documentation. You will also provide reliable operational support and services to Personal Banking department, Risk Management department, Banking department and sub-branches. This is a full time permanent position.

Key responsibilities

• Process drawdown, collateral and repayment information in relevant core banking systems for retail mortgage operations
• Monitor the daily retail mortgage payment report and apply interest adjustment as required
• Reconcile overdue interest and execute necessary adjustments to retail mortgage accounts
• Generate and distribute annual and interim mortgage statements promptly
• Monitor repayment funds via relevant system and suspense accounts to ensure accurate settlement
• Monitor and follow up on overdue mortgage payments, ground rent and management fees whilst accurately record loan performing status
• Review legal and loan documents and approvals before fund drawdown
• Issue timely repayment notices, redemption letters and insurance follow-up correspondence
• Provide safe custody for, release and maintain title deeds and other securities documents in compliance with safekeeping policies
• Analyse facility limits and resolve issues with branches prior to drawdown
• Verify, register, scan and archive all security documents and customer correspondence; maintain both electronic and physical files in good order
• Liaise with Legal and Compliance teams to resolve AML and regulatory inquiries
• Identify, assess and mitigate operations risks in relation to daily transactions
• Investigate, document and resolve customer complaints in relation to retail mortgage
• Prepare SWIFT messages in the system for the retail mortgage drawdown
• Coordinate with relevant external stakeholders as required

Requirements

• Degree educated in Business, Finance, Accounting, or relevant subjects
• Relevant professional qualification (e.g. CeMap) is a plus
• Experience in Mortgage or experience related to property is a plus
• Good knowledge of retail mortgage products, processing workflow and loan lifecycle management is preferred
• Good knowledge of regulatory requirements, AML/CFT guidelines and operational risk frameworks
• Excellent English and Mandarin communication skills
• Advanced MS Excel skills
• Team player
• Attention to detail and capable of managing high-volume transactions accurately
• 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:

Private
Healthcare

Pension

Employee Assistance Programme

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.