职位概要
To contribute to loan growth by establishing a new borrowing customer base and managing existing customer portfolios to maintain strong business relationships.
工作职责
- Collect review and verify all clients’ required documents including conducting financial analysis and interpreting applicants’ financial status, credit, property evaluations, and repayment capacity to determine credit evaluation and feasibility of granting loans.
- Conduct a site visit at clients’ business premises and proffered collateral during the loan assessment process to obtain in-depth information concerning the soundness of their business and the purpose of loan application and ensure sufficient and acceptable security for the loan.
- Process and prepare Credit Appraisal Reports for commercial applications including detailed loan appraisal write-ups and detailed financial analysis of the commercial/corporate clients to submit to higher authority for loan approval.
- Review the loan appraisal write-up from the branch referral.
- Process the registration of the title deeds at the local authority and land office to acquire the legal evidence of clients’ rights to ownership of the property if required.
- Make regular site visits to existing clients to determine the actual conditions of the business and loan collateral whether it should remain the same or be downgraded as well as to develop relationships with clients as part of retention strategies.
- Build and maintain new and existing clients to ensure a sustainable and secure loan portfolio.
- Present and provide highly professional sound financial advice to target commercial/corporate clients to address their demands and match with the Bank’s products and services as well as to take the opportunity to cross-sell other banking products.
- Other tasks assigned by the line manager.
工作要求
- Minimum bachelor’s degree preferably in Finance, Accounting, Marketing, or related fields.
- English language proficiency (Chinese language is a plus).
- Literate in Microsoft software
- Minimum 3 years of working experience preferred in the commercial business area.
- Proven sales and service record in FIs or related industries.
- Confidence, proactive, and ability to work under pressure.
- Knowledge and experience in SME, commercial, and other trade financial services.
