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

COMPLIANCE OFFICE

Senior Officer
	Responsibilities:
	To provide support in performing compliance and AML/CFT functions to ensure that the Bank adheres to relevant legal and regulatory requirements To provide support in the development and implementation of policies and programs To assist in performing gap analyses and AML data analyses To review alerts of customer screening and transactions To perform effective and timely transaction monitoring for identifying suspicious transactions To recommend and 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 undertake ad-hoc compliance & AML/CFT related tasks to be assigned by the supervisors To provide clerical support for the department

Requirements:

University graduate with a minimum of 4 years of practical experience in banking industry Holder of ACCA/CFA/LLB, CAMLP, ACAMS 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 Independent and strong analytical mindset with self-motivation and able to meet tight deadlines Logical thinking and detail-minded with good communication and problem solving skills High proficiency in spoken and written English and Chinese Candidates with less experience would be considered as Officer

CREDIT ADMINISTRATION

Senior Officer
	Responsibilities:
	To prepare facility letters and security documents accurately and in a timely manner for regulatory compliance, guidelines and procedures To ensure all loan documentations are completed accurately and prepared in timely manner prior to drawdown 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 tripartite agreements, legal mortgage deeds and discharges To contribute and participate in workflow enhancement as assigned by supervisor To meet service performance pledge for responsible jobs To supervise subordinates in handling counter services smoothly

Requirements:

University graduate with a minimum of 6 years relevant experience of which 4 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

Head of Credit Approval
	Responsibilities:
	Supervise the overall operational / administrative works of the Credit Approval Department and assist the Chief Risk Officer to ensure the smooth run of the Department’s operations / administration Monitor credit exposure including related / connected lending and ensure credit exposure not to exceed the Bank’s legal lending limit and/or approved sector limit Evaluate, recommend or sanction on loan / credit applications / proposals accordingly to the policy and delegated authority Manage and ensure all reports submitted to the Regulator / Group / Management are accurately completed on timely manner Support field audit and handle enquiries by AMCM / HKMA / Internal and external auditor Check and sign the documents to be submitted to the Court and attend court hearing

Requirements:

University graduate with a minimum of 10 years' relevant experience of which 5 years must be in Manager level Over 10 years’ experience in credit assessment / administration and knowledge of financial analysis Thorough understanding in commercial lending, retail banking products and trade finance products Sound knowledge of MS Excel and Word Proficiency in both English and Chinese Able to work independently and under pressure

CUSTOMER INFORMATION MAINTENANCE

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

Clerk
	Responsibilities:
	Check the documents (Personal account and Non-personal account) from Branches and Departments Perform QA function on documents and system input Link the signature images (Personal account and Non-Personal account) in system Check the information updated and maintained in system 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:
	University degree holder, or secondary graduate with minimum 3 years of experience in banking Familiar with accounts opening procedures Good command of spoken and written English and Chinese Good command of MS Office including Word and Excel Independent, proactive and responsible

GENERAL OPERATIONS

Officer
	Responsibilities:
	Verify the various outputs prepared by the makers, such as: SWIFT, remittance, payroll, loan, time deposits, cashier’s orders, demand drafts and autopay                 Coordinate and follow up on the transactions relative to operating systems Ensure the implementation of operation procedures and internal controls requirements            Monitor the performance of the department in comply with the regulatory requirements Create and modify memo ticklers associated to irregular instructions Perform customer instructions through TeleBCM / BCMNet, receive from Task Management Levy commissions on transactions involving HKD cash                                  Provide general support and guidelines to the subordinates                          Provide various support to the branches and internal departments                Perform other duties as assigned from time to time by superiors

Requirements:

At least 3 years working experience in Banking Industry Good command of English and Chinese in reading, listening and writing  Good PC Knowledge in MS Office, Word and Excel                                        Good interpersonal and communication skills                                               Good organizing ability and mature                                                           Good sense of responsibility                                                                       Self-motivated and able to work independently

INFORMATION TECHNOLOGY

Senior Manager / Manager – Application Development Team
	Responsibilities:
	Lead a team of developers and manage them in the day-to-day performance of their jobs Oversee the application development projects to ensure them to be delivered on time and within budget while maintaining the highest level of quality Transform business and functional requirements into technical design with the ability to balance the user needs and the technical restraints Deliver management and control reports to the department head and to senior management Manage support on system stability and perform troubleshooting in a timely manner Develop and maintain effective working relationships among teams and external project sponsors and vendors Provide technical leadership and inspire the team members Direct subordinate to implement IT controls timely to meet IT compliance requirements Plan staffing requirements, facilitate staff training & career development and conduct staff performance management in application development team

Requirements:

Minimum 7 Years' of working experience in managing banking solution with at least 3 years of management experience Bachelor’s degree in Information Systems, Computer Science, or equivalent combination of education and experience Rich knowledge of banking processes and products Possess development and managerial skills to lead software developers Solid experience in banking system Solid experience in AS/400 and RPG is an advantage Working knowledge of database and SQL Rich experience in project management skills Excellent verbal and written communication skills Excellent problem-solving skill and critical thinking mindset Candidate with less experience will be considered as Manager

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

INTERNAL AUDIT

Manager
	Responsibilities:
	To plan, lead and/or conduct audit, special review and investigations of the designated audit portfolios of business units and/or support functions independently, efficiently and effectively To develop audit plan and program, define testing strategy, critically analyze key risk areas, apply professional judgment to evaluate control design and effectiveness, identify control weaknesses and prepare review reports To follow up on the implementation progress of audit recommendations with various business units and/or support functions To keep abreast of the latest regulatory/industry development and emerging issues of the units under the designated audit portfolios To provide Department Head/Senior Manager timely updates on work progress and audit findings, and also advise/apprise of major risk, control and regulatory issues and key developments that impact the control environment To deliver quality audit work according to divisional and professional standards, effectively assess and analyze risk and proactively identify issues To perform detailed testing efficiently within designated timeframes, track budget against actual time and analyze variances To support Department Head/Senior Manager in developing audit strategy of the designated audit portfolios and preparing updates to board level committees/ senior management To maintain effective relationship with stakeholders of the designated audit portfolios To lead, participate in or support departmental initiatives and provide support to Quality Assurance and Improvement Program

Requirements:

Degree holder in Business Administration, Accounting, Finance or other disciplines Minimum 5 years’ solid experience in auditing, internal controls, risk management or operations in financial institutions Good knowledge of banking environment and relevant regulatory requirements in Macau Sound project management skills and ability to work effectively with multiple priorities Self-motivated, proactive, attention to details, analytical mind with sound judgment and computer/analytics skills Excellent interpersonal skills and ability to establish and maintain positive engagement with stakeholders and teammates Good command of both spoken and written English and Chinese Candidates with work experience and/or professional qualification related to insurance industry will have an advantage

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

STRATEGIC PLANNING MARKETING AND CORPORATE COMMUNICATIONS

Product Team Deputy Manager / Senior Officer
	Responsibilities:
	Support in planning and developing projects for banking products and services as well as digital services and relevant platforms for both retail and commercial banking Participating in project development including product/service design, testing, preparation of required document etc. and liaise with both internal and external parties for planning and rolling out programs and activities Support 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 Support in roadshows, branch open days and other events or activities of the bank in performing different sales or promotional activities

Requirements:

Degree holder, preferably in Marketing or Project Management Major At least 3 years of experience in banking area or project management 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

Marcom Deputy Manager / Senior Officer
	Responsibilities:
	Support 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 Participate in planning and development projects of banking products and services as well as digital services and relevant platforms for both retail and commercial banking Support 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

Requirements:

Degree holder, preferably in Marketing Major At least 3 years experience in Marketing or Marketing Communications area Knowledge and experience related to handling graphic designs and Adobe 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

TRANSACTION BANKING

Manager
	Responsibilities:
	Achieve objectives within an assigned client portfolio through identification of clients’ needs and devising appropriate solutions from a range of available cash management and services Structuring and pitching appropriate solutions, making effective pitches, and delivering seamlessly on client’s requirement Drive potential clients through the sales cycles to closure, with timely implementation and follow-up to achieve expected benefits Developing and maintaining the cash products & business plans to achieve cash revenue targets Work closely with relationship managers to find new prospective clients and cross-sell to existing clients to generate warm leads to build a healthy sales pipeline Ensure full compliance of the Bank’s policies and procedures, relevant banking regulations, and other regulatory requirements Drive and participate in various marketing and sales campaigns to increase low-cost deposits

Requirements:

Degree in Business Administration, Marketing, e-Commerce, Information Technology or related disciplines At least 6 years relevant experience in banking industry in which 4 years in supervisory level Well-organized with good supervisory and interpersonal skill Strong sense of ownership and servicing mindset to ensure efficient and effective customer service processes Able to work independently and competent in handle different tasks Sound analytical, interpersonal, influencing and negotiation skills Proficiency in English, Chinese and Putonghua Good knowledge on using Microsoft Offices tools including Word, Excel and PowerPoint

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.)