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

Manager
	Responsibilities:
	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

	Requirements:
	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

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

Deputy Branch Manager
	Responsibilities:
	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

	Requirements:
	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

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 - 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

Senior Teller / Teller
	Responsibilities:
	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

	Requirements:
	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

CALL CENTRE

Senior Customer Service Officer
	Responsibilities:
	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

	Requirements:
	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

COMMERCIAL BANKING

Assistant Relationship Manager
	Responsibilities:
	To assist Relationship Manager/Team Head to manage a customer portfolio of commercial banking clients including SMEs and large corporates of various industries Execute designated jobs and 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 1-2 years’ 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

INFORMATION TECHNOLOGY

System Analyst / Senior Programmer
	Responsibilities:
	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

Requirements:

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

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

RETAIL OPERATIONS AND CONTROL

Deputy Manager
	Responsibilities:
	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

Requirements:

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

RISK MANAGEMENT AND CONTROL

Deputy Manager / Senior Officer
	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 Office

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.)