Officer, Business Service (A109879)

ZA Bank Limited; Hong Kong; On-site; HKD 180,000 - 300,000; Full time

Job summary

ZA Bank Limited is seeking an Operations Support professional for the Business Lending Team to ensure smooth processing of account openings, loan documentation, drawdowns and related tasks in a fast-paced digital banking environment in Hong Kong.

You will coordinate with Relationship Managers and internal departments to maintain high service standards while ensuring compliance with KYC/AML and internal policies. Strong English and Cantonese communication skills are essential.

Qualifications

• Bachelor’s degree in Business, Finance, Accounting or related disciplines.
• Minimum 1–3 years of experience in banking, preferably in commercial lending, loan operations, credit support or corporate account services.
• Strong attention to detail, accuracy and risk awareness.
• Proficient in Microsoft Office applications (Word, Excel, Outlook).
• Good command of written and spoken English and Chinese (Cantonese is essential; Mandarin is an advantage).
• Knowledge of Hong Kong banking products, loan processes, KYC and AML requirements is preferred.
• Ability to multi-task, work under pressure and meet tight deadlines.
• Team player with a proactive and service-oriented attitude.

Responsibilities

• Account Opening & Maintenance: Support opening business banking accounts and amendments; ensure compliance with KYC, AML and procedures.
• Credit Application Support: Conduct credit information searches and organize data for assessment.
• Loan Documentation & Processing: Prepare, review and process loan documents; maintain filing records.
• Loan Drawdown / Rollover: Handle daily drawdown, rollover, repayment and disbursements; verify conditions precedent and coordinate with internal parties.
• General Support & Coordination: Liaise between customers, Relationship Managers and internal departments; handle inquiries and ad-hoc projects.

Skills

Banking operations

Credit support

Team collaboration

Bilingual English/Chinese

Education

Bachelor’s degree in Business/Finance/Accounting

Tools

Microsoft Office

Job description

To provide comprehensive operational and administrative support to the Business Lending Team, ensuring smooth processing of account opening and maintenance, loan documentation, drawdowns, as well as credit information searching. The role aims to enhance operational efficiency, maintain high service standards and ensure full compliance with internal policies and regulatory requirements.

Key Responsibilities:

• 1) Account Opening & Maintenance
  Support the opening of business banking accounts and process account information amendments (e.g. authorised signatories, address, contact details).
  Ensure all account-related activities comply with KYC, AML and internal procedures.
• 2) Credit Application Support
  Conduct credit information searches (company search, credit reports and public records) to support credit applications.
  Compile and organise relevant information for credit assessment.
• 3) Loan Documentation & Processing
  Prepare, review, check and process loan-related documents (including facility letters, security documents and supporting materials) to ensure accuracy, completeness and compliance.
  Maintain proper documentation tracking and filing records.
• 4) Loan Drawdown / Rollover
  Handle daily loan drawdown, rollover, repayment and related disbursement requests.
  Verify fulfilment of conditions precedent and coordinate with relevant internal parties for timely execution.
• 5) General Support & Coordination
  Act as a liaison between customers, Relationship Managers and internal departments.
  Handle enquiries, follow up on case progress and provide administrative support as required.
  Assist in ad-hoc projects.

Requirement:

• Bachelor’s degree or above in Business, Finance, Accounting or related disciplines; or Diploma with relevant working experience.
• Minimum 1–3 years of experience in banking, preferably in commercial lending, loan operations, credit support or corporate account services.
• Strong attention to detail, accuracy and risk awareness.
• Proficient in Microsoft Office applications (Word, Excel, Outlook).
• Good command of written and spoken English and Chinese (Cantonese is essential; Mandarin is an advantage).
• Knowledge of Hong Kong banking products, loan processes, KYC and AML requirements is preferred.
• Ability to multi-task, work under pressure and meet tight deadlines.
• Team player with a proactive and service-oriented attitude.

Mandatory Reference Checking Scheme

Mandatory Reference Checking Scheme (MRC Scheme) may be applicable for certain relevant positions. It is a standardised reference-checking arrangement that is designed to support the integrity of "authorized institutions" regulated by the Hong Kong Monetary Authority (HKMA). Pursuant to the MRC scheme, our Bank will conduct a mandatory reference check by requesting information from each relevant former and current employer of applicants. For more details about the MRC Scheme, please visit the website of the Hong Kong Association of Banks: https://www.hkab.org.hk/en/page/5/mandatory-reference-checking-scheme-phase-2

About ZA Bank

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.

Central, Central and Western District, HK