Relationship Manager – Secured Lending

Ping An Digital Bank; Hong Kong; On-site; HKD 300,000 - 500,000; Full time

Job summary

A leading financial institution in Hong Kong is seeking a motivated individual for their SME lending team. The role involves developing relationships with SME clients, conducting thorough financial analyses to assess creditworthiness, and structuring tailored lending proposals. The ideal candidate should have at least 3 years of sales experience in banking or finance, strong communication skills, and the ability to thrive in a fast-paced environment. Knowledge of KYC processes is advantageous. The position offers opportunities for growth and learning.

Qualifications

• Minimum 3 years of sales experience in Banking or Financial lending products.
• Knowledge of KYC processes related to SMEs is an advantage.
• Must be self-motivated and adaptable to a fast-paced work environment.

Responsibilities

• Develop and maintain relationships with SME clients.
• Conduct financial analysis and risk assessment for borrowers.
• Structure and present lending proposals tailored for clients.
• Collaborate with stakeholders for loan processing.
• Monitor loan portfolio performance and recommend actions.
• Provide exceptional customer service to SME clients.

Skills

Sales experience in Banking or Financial products

Interpersonal skills

Communication skills

Result-oriented attitude

Education

Matriculated or above

Job description

Responsibilities

• Develop and maintain relationships with SME clients to understand their business needs and financial requirements
• Conduct thorough financial analysis and risk assessment of potential borrowers to determine creditworthiness
• Structure and present secured lending proposals tailored to meet the specific needs of SME clients
• Collaborate with internal stakeholders, such as credit analysts and underwriters, to ensure timely processing and approval of loan applications
• Monitor the performance of existing loan portfolios, conduct regular reviews, and recommend appropriate actions to mitigate risks
• Stay updated on market trends, industry developments, and regulatory changes that may impact SME lending activities
• Provide exceptional customer service and support to SME clients throughout the loan application and servicing process

Job Requirements

• 3 year sales experience on Banking or Financial company lending product
• Basic KYC knowledge on SME is preferable but not mandatory
• Matriculated or above
• Positive working attitude, Energetic, Result-oriented and self-motivated
• Strong drive to success and adaptive to work in a fast moving environment
• Excellent interpersonal and communication skills