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:
MANAGEMENT TRAINEES
Management Trainees |
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Responsibilities: |
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- Go through a comprehensive 2 years training program
- Rotating through different department or positions to gain exposure to various aspects of the business and develop a well-rounded skill set, supporting department head in their day-to-day tasks
- Participating in trainings and workshops to gain a comprehensive understanding of various departments, functions, and processes within the organization
- Collaborating with cross-functional teams and working on assigned projects to gain practical experience and develop problem-solving and teamwork abilities
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Requirements: |
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- Bachelor or Master Degree of any discipline preferably in Banking, Marketing, Accounting, Finance and Business Administration
- With less than 2 years’ work experience
- Excellent analytical thinking and presentation skill
- Good command of both spoken and written English and Chinese
- Confident and with a “can-do” attitude
- Able to learn fast and work under pressure
- Energetic, self-driven and flexible
- Great sense of responsibility and teamwork spirit
- Sound knowledge in Microsoft Office family
To apply, please fill the application form and upload your identity card, educational certificate(s) and employment reference letters via https://www.bcm.com.mo/career/en/index.php on or before 31 March 2024.
(All information provided will be treated in strict confidence and used solely for recruitment purpose.) |
BRANCH MANAGEMENT
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
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
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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COMPLIANCE OFFICE
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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CREDIT RECOVERY
Manager |
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Responsibilities: |
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- To lead the Credit Recovery unit to carry out recovery actions effectively in accordance with credit policy
- To manage and oversee the daily operation of Credit Recovery Unit. Ensure the overall effectiveness of the Unit
- To review / prepare documents for taking legal action against the bad debt customers and prepare response to Court's and company appointed external legal counsel correspondence
- To monitor the lawsuit history and the workflow of credit recovery for all delinquent cases and overdue loans and make decisions for appropriate action
- To negotiate with debtors for debt restructuring, and review payment of all delinquent accounts
- To manage and monitor the Bank's pastdue and bad debt position
- To prepare management reports such as Early Warning Summary and Monthly Bad Debt Proposal
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Requirements: |
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- University graduate with a minimum of 6 years’ experience of which 4 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
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INFORMATION TECHNOLOGY
Deputy Manger – System Support & Security Team |
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Responsibilities: |
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- Lead a team to maintain system, network, and IT security control as normal
- Oversee and participate in all related project phases to ensure teams deliver 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 and security projects status to management
- Maintain functional and technical documentation
- Provide technical leadership and inspire the team members
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Requirements: |
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- 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, malicious file analysis and Networking control
- Experience in Penetration Test / Vulnerability Scanning
- 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
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RETAIL DIRECT SALES
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 VIP BANKING
Senior Relationship Manager / Relationship Manager |
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Responsibilities: |
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- 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
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Requirements: |
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- 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
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RISK MANAGEMENT AND CONTROL
Assistant Manager / Senior Officer |
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Responsibilities: |
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- 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
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Requirements: |
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- 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
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STRATEGIC PLANNING, MARKETING AND CORPORATE COMMUNICATIONS
Senior Officer / Officer |
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Responsibilities: |
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- Assist in implementing/planning marketing campaigns, activities, advertisement and publicity to stimulate the bank’s business and maximize public awareness, including all banking and insurance products and services
- Preparation on marketing communications and corporate communications materials, including bilingual copy writing, basic handling of graphic designs, working with designers/suppliers/external parties
- Assist in maintaining and expanding credit 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 open days and other events or activities of the bank in performing different sales or promotional activities
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Requirements: |
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- 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
- Able to work under pressure and face pace environment
- Excellent command of written and spoken English and Chinese
- Knowledge of Mandarin and Portuguese is an advantage
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TRANSACTION BANKING
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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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 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.
(All information provided will be treated in strict confidence and used solely for recruitment purpose.)
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