Job description
Position: Banking Job-Cantonese speaking Business Manager-Corporate Real Estate rj

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Your New Job Title:
Cantonese speaking Business Manager - Corporate Real Estate

The Skills You'll Need: Fluent Cantonese and English. Experience in credit analysis and preparing credit proposal in UK corporate banking / real estate finance business.

Your New Salary: up to £70k depending on experience + bonus.

Job Status: Permanent. Hybrid working (4 days in the office).

To be successful in this role our client has said it is essential that candidates:
• are fluent in speaking and writing Cantonese.
• have UK experience in Client Relations or Credit Analysis in Banking.
• have above experience in Corporate Banking or Corporate Real Estate sector.

Summary:
• To monitor designated business portfolio.
• To cultivate new business (both primary and secondary deals).
• To prepare credit proposals and periodic credit review reports.
• To liaise with Risk Management Department during pre-approval stage on credit risk related matters.
• To work closely with Loan Support & Services Department during post-approval stage on loan documentation matters.
• To work closely with KYC team and Business Distribution and Service Department to onboard new borrowing customers.
• To develop business relationship with existing and prospective counter parties with a view to cultivating future business and promote the Bank’s reputation.
• To supervise and provide coaching for subordinates through on the job training.
• To develop strategies, tactics & action plans so as to achieve key performance targets.
• To manage and participate in inter-department projects in relation to digital transformation.

What You'll be Doing:

Customer/Counter parties:
• To develop new business opportunity and contacts.
• To build and maintain close business relationships with customers and counter parties to ensure compliance with the 'know your customer’ requirement.
• To submit credit facility proposal in a timely manner to achieve completion timeline.
• To lead and execute transaction with good planning and time management skills and coordinate between internal and external stakeholders to bring the deals to completion.
• To establish good working relationship with other counter parties / intermediaries, e.g. brokers, solicitors, accountants, valuers and overseas colleagues etc.
• To prepare regular credit reviews on customer accounts.
• To keep abreast with the current banking regulation, the Bank’s lending policy and latest market condition.

Process:
• To work smart so as to improve quality and efficiency.
• To monitor and control designated account’s irregular performance in accordance to the bank’s guidelines.
• To perform tasks in a timely manner as directed by the Management.
• To provide support and cover for other teammates when they are off.

People:
• To maximize team/bank performance.
• To set challenging performance and development objectives for all reporting staff.
• To identify training needs to reporting staff and provide regular feedback and coaching to ensure that their maximum potential is achieved.
• To ensure own personal development objectives are achieved.
• To manage resource to most effectively / efficiently achieve departmental and bank objectives.
• To ensure team works compliantly to bank/legal/regulatory standards and requirements.
• To work closely with other sections of BDD to achieve bank objectives.
• To perform any task as directed by the Management.
• To be leader and role model.

Compliance & Risk Management:
• To comply with all applicable regulations, rules, codes, guidelines and standards set by regulators and the Bank, and carry out duties with high integrity.
• To adhere to risk control guidelines, procedures and measures to identify, assess, report, mitigate and monitor the risks involved in the day-to-day work.
• 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 to Succeed:

Essential skills:
• Fluency in spoken and written Cantonese and English.
• Hands on experience in UK corporate banking / real estate finance business.
• Credit experience, documentation experience in proposing and negotiating both internally and externally credit and covenant structures and loan documentation.
• University graduate in Economics, Business, Real Estate, Finance, Legal or related disciplines.
• Competency in financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices.
• Experience in people’s management.
• Comprehensive written and verbal communication skills (English and Chinese - Cantonese).
• Proficient with MS Word and Excel.

Desirable skills:
• Proficient in Moody’s Analytics, S&P Capital IQ and/or Bloomberg an advantage.
• Knowledge in property valuation and syndication loans an advantage.
• Deep understanding of general banking law and regulation, deposit, loan and other financial products.
• Good knowledge of UK banking practice and relevant regulation.

We…