Cantonese Speaking Lending Associate - London, United Kingdom - People First

People First

Verified Company

London, United Kingdom

2 weeks ago

Posted by:

Tom O´Connor

beBee Recruiter

Description

To see more Chinese jobs please follow us on
WeChat: teamchinapf AND pfteamchina

Ref: 21887

Your New Job Title:
Cantonese speaking Lending Associate (Commercial Lending)

The Skills You'll Need:
Fluent Cantonese and English, with Financial Analysis and Credit Proposal experience. Fresh graduates with potential are also considered.

Your New Salary:
up to £35k depending on experience + banking benefits + bonus

Location:
Central London

Summary:

Responsible for preparing credit facility proposals to the Bank's relevant approval authority and managing designated account portfolio to monitor the overall credit risks and any irregular performance in accordance with the Credit Manual and other relevantpolicies.

What You'll be Doing Each Day:
Customer

To perform analysis on target companies relating to business and financials
To assist Business Manager to develop new business opportunities and contacts;
To monitor and control designated account portfolio for managing the overall credit risks and any irregular performance in accordance with Credit Manual.
To perform due diligence including KYC and AML on corporate customers in accordance with the Compliance Policy and AML Manual.
To liaise with customers and counterparties with a view to gathering customer and market information to fulfil 'Know Your Customer' (KYC) requirements & Account Opening requirements.
Maintain complete set of documentation on borrowers filed in good order.
To prepare and follow up on valuation instructions.
To submit customer's credit facility proposal in a timely manner and coordinate the facility drawdown process with all concerned parties.
To interact with internal and external parties including treasury, lawyers, valuers, syndication arrangers, and agents.
To prepare status reports and credit reviews periodically; and
To promote and enhance the Bank's reputation.

Process

To monitor and control designated account's irregular performance in accordance to the bank's guideline.
To perform analysis on target companies relating to business, industry, strategy and financials.
To prepare financial model including developing and evaluating financial projections.
To submit credit facility proposals and related reports in a timely manner and coordinate loan documentation and facility drawdown with all concerned parties.
To write credit proposal/reviews and reports for risk assessment/control.
To review finance documents to ensure alignment on terms between credit approval and legal documents.
To keep abreast of the latest banking regulations, the Bank's lending policies, internal rating models and other market developments.
To monitor designated accounts' performance and any irregularity in accordance to the Bank's guidelines.
To provide administrative supports (e.g. KYC, account opening, ALM compliance check) and cover to the Business Manager or other senior staff if necessary.
To provide support and cover for other business managers / officers when they are off.
To provide support and cover for other Business Manager/Officers if necessary.

People

To assist supervisors in achieving departmental objectives;
To assist the team to build up and manage a portfolio of corporate customers.
To ensure own personal development/performance objectives achieved;
To be a role model for the team and help supervise other clerical staff (if applicable); and
To build and maintain good business contacts with various internal and external counterparties.

Compliance & Risk Management

Comply with all applicable regulations, rules, codes, guidelines and standards set by regulators and the Bank, and carry out duties with high integrity.
Adhere to all established risk control guidelines, procedures and measures to identify, assess, report, mitigate and monitor the risks involved in the daytoday work.

The Skills You'll Need to Succeed:

Essential Skills:

Proficient in spoken and written Cantonese and English.
University graduate in Economics, Business, Finance, Legal, Real Estate or related disciplines.
Related credit and marketing experience in a financial services organisation.
Ability to analyse data, information and write credit proposals.
Proficient in MS Office (i.e. Excel, Word and PowerPoint).
Fresh graduate with potential on financial analysis and good written skills on credit proposal will also be considered.

Desirable Skills:

Proficient in Moody's Analytics, S&P Capital IQ and/or Bloomberg an advantage.
Knowledge in relation to general banking law and regulation, deposit, loan and other financial products an advantage.
Experience in handling Real Estate finance transaction.
Knowledge in property valuation and UK property markets an advantage.
Familiar with loan syndication market an advantage.

Please follow us on Linkedin:
people-first-team-china