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For Companies At a Glance
- Tasks: Prepare credit proposals, manage documentation, and monitor account portfolios.
- Company: Join a leading bank focused on serving Chinese corporate clients.
- Benefits: Gain valuable experience in finance with potential for career growth.
- Why this job: Engage with diverse clients while enhancing your financial analysis skills.
- Qualifications: Fluent in Cantonese and English; degree in Finance or related field required.
- Other info: Opportunity to work with experienced professionals in a dynamic environment.
The predicted salary is between 36000 - 60000 £ per year.
Responsible for preparing credit facility proposals to the Bank’s relevant approval authority, manage the documentation and due diligence process before drawdown and managing designated account portfolio to monitor the overall credit risks and any irregular performance in accordance with the Credit Manual and other relevant policies.
What You’ll be Doing Each Day:
Customer
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To perform analysis on target companies relating to business and financials
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To assist Business Manager to develop new business opportunities and contacts with a strong focus on Chinese corporate clients;
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To monitor and control designated account portfolio for managing the overall credit risks and any irregular performance in accordance with Credit Manual.
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To perform due diligence including KYC and AML on corporate customers in accordance with the Compliance Policy and AML Manual;
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To liaise with customers and counterparties with a view to gathering customer and market information to fulfil ‘Know Your Customer’ (KYC) requirements & Account Opening requirements and solicit business opportunities for the Bank.
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To submit customer’s credit facility proposal in a timely manner and coordinate the facility drawdown process with all concerned parties.
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To interact with internal and external parties including treasury, lawyers, valuers, syndication arrangers, and agents.
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To review facility documentation and due diligent reports and co-ordinate with customer and the bank’s advisers in order to achieve financial close.
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To prepare status reports and credit reviews periodically; and
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To promote and enhance the Bank’s reputation.
Process
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To monitor and control designated account’s irregular performance in accordance to the bank’s guideline.
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To perform analysis on target companies relating to business, industry, strategy and financials.
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To prepare financial model including developing and evaluating financial projections.
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To submit credit facility proposals and related reports in a timely manner and coordinate loan documentation and facility drawdown with all concerned parties.
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To write credit proposal/reviews and reports for risk assessment/control.
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To keep abreast of the latest banking regulations, the Bank’s lending policies, internal rating models and other market developments.
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To monitor designated accounts’ performance and any irregularity in accordance to the Bank’s guidelines.
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To review documentation and due diligence reports.
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To provide administrative supports (e.g. KYC, account opening, ALM compliance check) and cover to the Business Manager or other senior staff if necessary.
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To provide support and cover for other business managers / officers when they are off.
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To provide support and cover for other Business Manager/Officers if necessary.
People
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To assist supervisors in achieving departmental objectives;
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To assist the team to build up and manage a portfolio of corporate customers.
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To ensure own personal development/performance objectives achieved;
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To be a role model for the team and help supervise other clerical staff (if applicable); and
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To build and maintain good business contacts with various internal and external counterparties.
Compliance & Risk Management
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Comply with all applicable regulations, rules, codes, guidelines and standards set by regulators and the Bank, including those related to cross-border financing and carry out duties with high integrity.
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Adhere to all established risk control guidelines, procedures and measures to identify, assess, report, mitigate and monitor the risks involved in the day-to-day work.
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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.
The Skills You’ll Need: Fluent Cantonese and English, with credit analysis or client relations commercial lending experience, * Proficient in spoken and written English and Cantonese
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Experience in bank credit and client relations in a financial services organisation.
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Have academic background in Accounting or have credit analysis / financial analysis related certification
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University graduate in Economics, Business, Finance or related disciplines.
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Ability to analyse data, information and write credit proposals.
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Proficient in MS Office (i.e. Excel, Word and PowerPoint).
Desirable Skills:
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Experience in real estate finance and cross-border financing an advantage.
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Proficient in Moody’s Analytics, S&P Capital IQ and/or Bloomberg an advantage.
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Knowledge in relation to general banking law and regulation, deposit, loan and other financial products an advantage.
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Familiar with loan syndication and UK property markets an advantage.
Banking Business Officer Cantonese speaking employer: People First
Contact Detail:
People First Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Banking Business Officer Cantonese speaking
✨Tip Number 1
Make sure to highlight your fluency in Cantonese and English during networking events or conversations. This is a key requirement for the role, and showcasing your language skills can help you stand out.
✨Tip Number 2
Familiarize yourself with the latest banking regulations and compliance policies relevant to credit analysis. Being knowledgeable about these topics will not only boost your confidence but also demonstrate your commitment to the role.
✨Tip Number 3
Engage with professionals in the banking and finance sector, especially those who have experience with Chinese corporate clients. Building connections can lead to valuable insights and potential referrals for the position.
✨Tip Number 4
Stay updated on market trends and financial news, particularly related to real estate finance and cross-border financing. This knowledge will be beneficial during interviews and discussions about the role.
We think you need these skills to ace Banking Business Officer Cantonese speaking
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit analysis and client relations, especially with Chinese corporate clients. Use specific examples that demonstrate your skills in managing account portfolios and performing due diligence.
Craft a Strong Cover Letter: In your cover letter, express your enthusiasm for the role and the bank's mission. Mention your fluency in Cantonese and English, and how your background in finance or economics aligns with the job requirements.
Showcase Relevant Skills: Emphasize your proficiency in MS Office and any experience with financial analysis tools like Moody's Analytics or Bloomberg. Highlight your ability to analyze data and write credit proposals effectively.
Demonstrate Compliance Knowledge: Mention your understanding of banking regulations and compliance policies, particularly those related to KYC and AML. This will show that you are aware of the importance of risk management in the banking sector.
How to prepare for a job interview at People First
✨Showcase Your Language Skills
Since the role requires fluent Cantonese and English, be prepared to demonstrate your proficiency in both languages during the interview. Practice common banking terminology and phrases in both languages to ensure you can communicate effectively.
✨Prepare for Credit Analysis Questions
Expect questions related to credit analysis and client relations. Brush up on your knowledge of financial modeling, risk assessment, and how to write credit proposals. Be ready to discuss your previous experiences in these areas.
✨Understand Compliance and Risk Management
Familiarize yourself with the bank's compliance policies and risk management guidelines. Be prepared to discuss how you would adhere to these regulations in your daily work and provide examples from your past experience.
✨Demonstrate Your Networking Skills
The role involves building and maintaining relationships with corporate clients. Prepare to share examples of how you've successfully developed business opportunities and contacts in the past, especially within the Chinese corporate sector.