Top tier Corporate Bank - Management Trainee - ARM - 30k

Job Purpose

• Prepare comprehensive credit proposals and support the marketing team in maintaining client relationships, addressing any related issues.

Key Responsibilities

• Conduct detailed analysis of financial statements.
• Collaborate with the Relationship Manager or Account Manager to discuss customer needs, line structures, and associated terms and conditions.
• Work closely with the Relationship Manager to gather all necessary information for processing credit proposals from clients.
• Develop credit proposals with a strong focus on risk analysis and mitigation strategies, considering financial, operational, and environmental factors. Ensure financial highlights are well-documented and align with bank policies. Prepare credit presentations that are clear, concise, and of high quality.
• Gain thorough knowledge of the bank's credit policies, products, and services.
• Cultivate a positive relationship with the Credit Manager to address any queries.
• Attend to customer calls as necessary.
• Manage account onboarding and prepare call reports.
• Conduct KYC/AML related tasks, deal execution, and documentation.

Working Environment

• Operate in a competitive, dynamic, and regulated business landscape with low entry/exit barriers. Adhere to the bank's Credit Policy Manual while liaising effectively with superiors, direct reports, and support units to meet business goals.

Problem Solving

• Assist the Account Manager/Relationship Manager in resolving issues to enhance customer satisfaction.

Decision-Making Authority

• Responsible for preparing accurate credit proposals.

Qualifications:

• Bachelor's or Master's degree in Finance, Accounting, Business Management, Economics, Entrepreneurship, or Engineering
• Fresh graduates or candidates with up to 2 years of relevant experience in the banking or financial industry.
• High proficiency in English and Mandarin; knowledge of Cantonese is a plus.
• In-depth knowledge of the bank's credit policies and operational systems.
• Essential skills in credit, legal matters, and marketing.
• Awareness of various financial products and services.
• Excellent communication and analytical abilities, with a team-oriented mindset.
• Strong command of the MS Office Suite.