Mandatory Reference Checking Scheme (“MRC”) for Hong Kong
The Mandatory Reference Checking Scheme is a framework to facilitate Authorized Institutions (“AIs”) to bilaterally obtain reference information during their recruitment process for certain positions, such that misconduct information in an individual’s previous employments can be provided to AIs to inform their employment decisions.
For information related to MRC Scheme, “Frequently Asked Questions for In Scope Individuals” is published by HKAB/Industry Guidelines (https://www.hkab.org.hk/en/home) or further information will be available upon request, if it is applicable to the position(s) applied.
Country of Location:
United States of AmericaJob Responsibilities:
• Actively work with Branch GM and WBD Head/Deputy Head/Team Head to identify, define and develop referral sources and business contact to ensure a consistent deal flow and achieve assigned profit and loan growth target.
• Commit to a disciplined and persistent call schedule to source prospects; Be proactive and creative in presenting the customers with financing options aiming at maximizing cross selling bank’s products and network capabilities; Participate in associations, business and community functions to enhance the overall marketing effort and visibility of the Bank.
• Perform the entire underwriting process from preparation of discussion paper, term sheet, credit application, commitment letter, to review and preparation of credit agreement, security document, and working with legal counsels, bank’s architects, environmental consultants, agent banks, where necessary, to close the transaction.
• Perform execution of account openings and deposit growth activities.
• Performing credit analysis, structuring credit proposals aligned with all applicable risk and regulatory standards, requirements, and policies with attention to the client's strategic and financial objectives/needs so as to facilitate credit approval process and maintain a high standard of operational control.
• Complete periodic review; monitor the clients / market / industry performance and trend; ensure the extended credit is operating within approved terms and conditions, and detect early warning signals so as to take timely and proactive actions to mitigate potential losses, exercising effective portfolio stewardship and control.
• Prepare departmental reports in order to provide accurate and timely management information.
• Mentor WBD interns, manage assignments and schedules of interns for the successful implementation of internship programs.
• Support frontline and adhere to anti-money laundering / counter terrorist financing requirement and sanction risks controls in accordance with regulatory standards and CNCBI policies.
• Comply with anti-money laundering / counter terrorist financing requirement and sanction risks controls in accordance with regulatory standards and CNCBI policies.
Requirements:
1. Education Qualification
· Bachelor degree or equivalent education.
2. Working Experiences
· Minimum 7 years of relevant experience with track record in commercial lending or financial service industry.
3. Professional Qualification / HKMA Enhanced Competency Framework Qualification / Professional Examination / License