(Associate) Relationship Manager, SME Lending

ZA Bank Limited; Hong Kong; On-site; HKD 420,000 - 600,000; Full time

Job summary

ZA Bank Limited in Hong Kong is seeking an Associate Relationship Manager to proactively manage and grow a mid-sized SME lending portfolio, focusing on facilities range from HKD 10-50 million, delivering tailored financing and banking solutions to support client growth.

You will perform annual credit reviews, assess repayment capacity and risk, originate new SME business through networking and referrals, and coordinate end-to-end credit processes with credit, operations and product teams while

Qualifications

• Bachelor’s degree required.
• At least 2 years of frontline Relationship Management experience in SME Banking.
• Solid exposure to lending products—trade finance facilities and revolving loans.
• Demonstrated expertise in SME financing structures, credit analysis, and risk assessment.
• Experience managing portfolios involving HKD 10-50 million facilities.
• Proven ability to originate new business and grow client relationships.

Responsibilities

• Manage and expand a portfolio of mid-sized SME clients in Commercial Banking.
• Acquire new SME clients through networking, referrals, and outreach.
• Handle end-to-end credit processes including in-depth credit assessment and financial analysis.
• Identify cross-sell opportunities across deposits, trade finance, FX, payments, and cash management.
• Coordinate with internal teams to ensure seamless onboarding and loan processing.
• Maintain compliance with bank policies and risk management frameworks.

Education

Bachelor’s degree in Finance, Business Administration, Banking, Economics

Job description

(Associate) Relationship Manager, SME Lending

Proactively manage and expand a portfolio of mid-sized SME clients in Commercial Banking, focusing on facilities ranging from HKD 10-50 million, by delivering customized financing and banking solutions that drive their growth.

Perform thorough annual credit reviews, assessing repayment ability, compliance, and business performance to recommend facility renewals, enhancements, or restructuring as needed.

Actively acquire new SME clients through strategic networking, business development initiatives, referrals, and targeted outreach.

Handle end-to-end credit processes, including in-depth credit assessments, financial spreading and analysis, and preparation of high-quality credit applications in line with bank guidelines.

Foster long-term client relationships by deeply understanding their business models, growth plans, cash flow needs, and identifying cross-sell opportunities across deposits, trade finance, FX, payments, and cash management products.

Partner closely with internal teams (e.g., credit, operations, product specialists) to ensure seamless client onboarding, efficient loan processing, and superior ongoing service.

Maintain strict compliance with bank policies, regulatory requirements, and risk management frameworks.

Bachelor’s degree in Finance, Business Administration, Banking, Economics, or related fields.

At least 2 years of frontline Relationship Management experience in SME Banking segment, with solid exposure to lending products—particularly trade finance facilities and revolving loans. (More experience will be considered for a manager role)

Demonstrated expertise in SME financing structures, credit analysis, and risk assessment, ideally with direct experience managing portfolios involving HKD 10-50 million facilities.

Proven ability to originate new business and grow existing relationships, supported by a track record of achieving acquisition and portfolio growth targets.

Strong commercial acumen, customer-focused mindset, and excellent problem-solving skills.

Outstanding communication, negotiation, and interpersonal abilities; fluent in English and Cantonese/Mandarin.

ZA Bank, licensed by the HKMA in 2019, is Hong Kong's first and largest digital bank. With 800,000 users as of 30 June 2024, it leads the city's digital banking sector in customer base and deposits. ZA Bank's "Community-Driven" approach actively involves users in product development, resulting in tailored financial services for individuals, SMEs, and Web3 enterprises. The bank offers a comprehensive range of services including banking, investment, insurance, and business solutions. ZA Bank continues to innovate in Hong Kong's financial landscape. It operates as a subsidiary of ZA Global, established in 2017, to explore global fintech and insurtech opportunities.