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Job Descrption

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Ref: 22651

The Skills You'll Need: Fluent Cantonese and English. Experience in credit analysis and preparing credit proposal in corporate banking / real estate finance business

Your New Salary: up to £70k depending on experience + bonus

Job Status: Permanent. Hybrid working (4 days in the office)

Business Manager - Summary:
• To monitor designated business portfolio.
• To cultivate new business (both primary and secondary deals).
• To prepare credit proposals and periodic credit review reports.
• To liaise with Risk Management Department during pre-approval stage on credit risk related matters.
• To work closely with Loan Support & Services Department during post-approval stage on loan documentation matters.
• To work closely with KYC team and Business Distribution and Service Department to onboard new borrowing customers.
• To develop business relationship with existing and prospective... counterparties with a view to cultivating future business and promote the Bank’s reputation.
• To supervise and provide coaching for subordinates through on the job training.
• To develop strategies, tactics & action plans so as to achieve key performance targets.
• To manage and participate in inter-department projects in relation to digital transformation.

Business Manager - What You'll be Doing:

Customer/Counterparties
• To develop new business opportunity and contacts.
• To build and maintain close business relationships with customers and counterparties to ensure compliance with the 'know your customer’ requirement.
• To submit credit facility proposal in a timely manner to achieve completion timeline.
• To lead and execute transaction with good planning and time management skills and co—ordinate between internal and external stakeholders to bring the deals to completion. .
• To establish good working relationship with other counterparties / intermediaries, e.g. brokers, solicitors, accountants, valuers and overseas colleagues etc.
• To prepare regular credit reviews on customer accounts.
• To keep abreast with the current banking regulation, the Bank’s lending policy and latest market condition.

Process
• To work smart so as to improve quality and efficiency.
• To monitor and control designated account’s irregular performance in accordance to the bank’s guidelines.
• To perform tasks in a timely manner as directed by the Management.
• To provide support and cover for other teammates when they are off.

People
• To maximize team/bank performance.
• To set challenging performance and development objectives for all reporting staff.
• To identify training needs to reporting staff and provide regular feedback and coaching to ensure that their maximum potential is achieved.
• To ensure own personal development objectives are achieved.
• To manage resource to most effectively / efficiently achieve departmental and bank objectives.
• To ensure team works compliantly to bank/legal/regulatory standards and requirements.
• To work closely with other sections of BDD to achieve bank objectives.
• To perform any task as directed by the Management.
• To be leader and role model.

Compliance & Risk Management
• To comply with all applicable regulations, rules, codes, guidelines and standards set by regulators and the Bank, and carry out duties with high integrity.
• To adhere to risk control guidelines, procedures and measures to identify, assess, report, mitigate and monitor the risks involved in the day-to-day work.
• To adhere to the firm's processes and policies in relation to Consumer Duty and Treat Customers Fairly ("TCF") obligations and act to deliver good outcomes for customers.

Business Manager - The Skills You'll Need to Succeed:

Essential skills:
• Comprehensive written and verbal communication skills in Cantonese and English
• Hands on experience in corporate banking / real estate finance business.
• Credit experience, documentation experience in proposing and negotiating both internally and externally credit and covenant structures and loan documentation.
• University graduate in Economics, Business, Real Estate, Finance, Legal or related disciplines is preferred
• Competency in financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices.
• Experience in people’s management.
• Proficient with MS Word and Excel.

Desirable skills:
• Proficient in Moody’s Analytics, S&P Capital IQ and/or Bloomberg an advantage.
• Knowledge in property valuation and syndication loans an advantage.
• Deep understanding of general banking law and regulation, deposit, loan and other financial products.
• Good knowledge of UK banking practice and relevant regulation.

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We would be grateful if you could send your CV as a Word document. If your application is successful, you will be contacted within 7 days. We regret that due to the high volume of applications we receive we cannot provide feedback on individual CVs. Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation.

People First is committed to increasing diversity, and maintaining an inclusive workplace culture. We welcome applications from all qualified candidates regardless of their ethnicity, race, gender, religious beliefs, sexual orientation, age, marital status or whether or not they have a disability.

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