In this role, you will deliver excellent banking services and integrate our services into customers' strategic business development processes.

You will use industry and credit expertise to manage a portfolio of corporate relationships across a number of sectors.

You will provide one stop financial solutions by actively selling and delivering our extensive range of products and services to our customers while maximising our share of customers' total business.

You will develop new customer relationships to build and strengthen your portfolio and work with our product specialists to identify cross selling opportunities and develop product solutions.

To be successful, you will need:

• A university degree with previous banking management training from an international banking organisation

• Extensive years of experience in corporate banking

• Experience in marketing, business development and general management of customers from a variety of industries

• Customer driven with a proactive approach, strong sales and marketing orientation and entrepreneurial spirit

• Experience in structuring transactions using trade products

• Good communication skills in English, Cantonese and Putonghua

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Your responsibilities will also include providing back-up to frontline Relationship Managers in their absence, supporting clients with day-to-day transaction management, and working with Relationship Managers and product teams to formulate and deliver client strategy.

You will work closely with Risk Management and Credit Approval teams to ensure that local business strategy is aligned to global strategies on respective clients, and monitor related MISes to ensure that the portfolio remains disciplined and clients compliant in matters of documentation, covenant compliance, other credit exceptions, daily excess management and sanctions compliance.

To be successful in this role, you will need strong front-line corporate banking experience with exposure in credit lending, risk assessment and in managing corporate relationships, as well as good product knowledge in credit and lending, trade, treasury, and cash management.

You should be able to conduct formal business presentations to corporate clients confidently, and have strong team player skills with the ability to work with colleagues from across the first and second lines of defence.

Highly motivated, eager to accept new challenges, and able to work under pressure, you will also have relevant experiences about the local Hong Kong sector, and fluency in English, Cantonese, and Mandarin.

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Responsibilities:

• Conduct focused and independent analysis of credit risk to improve credit quality and reduce potential loss to the Bank.
• Perform full credit analysis (customer/industry) and support Relationship Managers in focusing more on relationship and marketing.
• Respond quickly to new business referrals and identify customer/industry business opportunities while maintaining a consistent conservative credit culture.
• Develop industry & sectoral specialization and through effective peer group analysis identify the trends of the business and bankable names for long-term relationship development.

Requirements:

• Moderate length credit and operating risk analysis skills in corporate banking fields.
• Good credit risk skills and good knowledge of corporate banking, commercial lending, investments and/or trade products and ability to interpret meaningful information from financial accounts.
• Good banking products knowledge, particularly credit related products and knowledge of credit application process preferably in corporate banking.
• In-depth understanding of the local market, vast industry-specific knowledge, including regulatory landscape.
• Proven track record of managing healthy credit portfolios; execution of solid credit analysis to support business growth and new to bank business acquisition.
• Execution of stress-testing and medium-to-complex cash-flow projections.
• Ability to maintain good quality of output under pressure condition and tight deadline, and ability to maintain a high level of intense concentration for a prolonged period.
• Proactive, well-developed interpersonal, influencing and presentation skills with highly motivated and prepared to accept challenges mindset.
• Effective communication skills - Demonstrate high degree of integrity.

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