Assistant General Manager & Team Head, Unified Credit Management (Wholesale Banking)

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:

China Hong Kong

Job Responsibilities:

• Facilitate Unified Credit Management team communication with the CNCB Head Office's (“CNCB HO”) and centralized management of credit demand collection, ensuring effective management and transmission of relevant information, facilitating communication with the CNCB HO on the issues and providing solutions in a standardized approach
• Work closely with Relationship Manager (“RM”), and responsible for the management and allocation of credit limits, collection of credit demands from the CNCB HO and follow-up matters related to customer group maintenance (集团关系树维护), ensuring all the requests are relayed to the responsible RMs (including WBG HK, TMG, PBG, Overseas Branches & CBIC).
• Initiate applications for credit limit increase and adjustment whenever there is insufficient credit limit assigned to a specific customer group.
• Work closely with relevant business units such as CNCB HO and subsidiaries (i.e., WBG Head Office, Overseas Branches, etc.) to maintain customer information and customer grouping information in the relevant system
• Maintain and manage a ledger to ensure that the allocated credit limits are properly recorded, either via manual approach prior to system availability, or via available system
• Coordinate with RMs of all units to ensure completeness and accuracy of data submitted to CNCB HO, and to rectify any issues identified by CNCB HO
• Implement and comply with anti-money laundering policies and relevant procedures.
• Provide management oversight and develop/maintain a strong compliance culture regarding regulatory and compliance matters as well as anti-money laundering / counter terrorist financing control activities.

Requirements:

• Degree holder in Business Administration or Banking & Finance or Process Engineering or related disciplines.
• Minimum 8 years working experience in financial institutions with strong exposure in credit portfolio management, Data Mining & MIS, business process & operations reengineering and operation management.
• Solid experience and background in business analysis and credit related products and guidelines & procedures is preferred.
• Good understanding and knowledge of loan and cross-border products and business, as well as the relevant regulations.
• Good analytical, interpersonal and communications skills.
• Good command of written and spoken English and Chinese (including Putonghua).