Relationship Manager

HL Bank Singapore; Hong Kong; On-site; HKD 600,000 - 1,000,000; Full time

Job summary

HL Bank Singapore is seeking a Commercial Banking Relationship Manager in Hong Kong to acquire new account relationships and manage a portfolio of Commercial Banking accounts, delivering tailored financial solutions.

You will write credit applications, monitor asset quality, collaborate with product partners, ensure compliance, and pursue revenue growth through cross-selling and active client management.

Responsibilities

• Acquire new account relationships.
• Manage a portfolio of existing Commercial Banking accounts to grow income.
• Provide banking advice and customized solutions to optimize revenue.
• Write credit applications for new accounts and review existing ones.
• Maintain asset quality with proactive market intelligence.
• Collaborate with Trade Services, Global Markets, and Deposit & Liability Management.
• Ensure facilities comply with lending policies.
• Address key risks before submission to Wholesale Credit.
• Preserve asset quality of the bank.
• Encourage utilization of facilities to increase revenue.
• Prospect accounts and evaluate financing needs.
• Process credit / offer acceptances and manage account lifecycle.
• Cross-sell opportunities.
• Meet targets and submit management reports to HO.
• Provide training to subordinates.

Skills

Relationship management

Credit analysis

New business development

Cross-selling

Job description

If you are looking to excel and make a difference, take a closer look at us…

Functional (job responsibilities)

• Acquire new account relationships.
• Manage a portfolio of existing Commercial Banking Account relationship in order to grow both funded income and non–funded income.
• Manage a portfolio of accounts in order to provide value – added banking advice and customized financial solutions in order to optimize revenue generation from the portfolio.
• Write credit applications for new account acquisition and ensure timely review and renewal of existing accounts.
• Ensure acceptable asset quality of existing portfolio by being pro‑active and up‑to‑date in terms of market intelligence in relation to accounts and industry of portfolio managed.
• Work closely with product partners including Trade Services, Global Markets, and Deposit & Liability Management in order to meet financial and banking requirements of clients in a wholesome manner.
• Ensure that banking facilities offered to clients are structured in compliance with credit lending policies.
• Ensure that key risks of cases are adequately addressed by in CAs before submission to Wholesale Credit
• To preserve the assets quality of the bank at all times
• To monitor and encourage utilization of existing facilities under the portfolio in order to increase revenue.
• Close follow through with clients on to ensure acceptance of the Bank’s facilities and subsequent drawdown.
• Account Prospecting
• Identifying and contacting prospects
• Evaluating prospects financing needs
• Assessing and putting up Credit Applications to Wholesale Credit
• Preparing and following up of acceptance of offer
• Account Management
• Monitoring utilization
• Processing ad‑hoc requests
• Processing requests for additional facilities
• Reviewing annually or periodically borrower’s facilities
• Keep in contact with Customers e.g. through site visitations etc
• Exploring cross‑selling opportunities
• Others
• Meeting business targets set via KRA
• Submitting timely management reports to HO
• Providing hands‑on training and guidance to subordinates (if any)