Job Purpose: This incumbent will maintain comprehensive knowledge of the commercial banking, especially on Small and Medium Enterprise (SME) and corporate loan products and services.
S/he will support business and client volume based on the risk appetite of the Bank, accelerating the development of SME and corporate business and enhancing service levels.
In addition, s/he will conduct underwriting and post lending management on SME and commercial loan.
Job Responsibilities: Business Development
· Support innovations to SME business and promote sustainable and sound development of the SME services
· Support implementation of the SME development strategies and proactively seize market opportunities to expand client base
· Underwrite loan business, develop and maintain positive business relationship with customers
· Participate in various marketing, prospecting and networking activities to build business relationship for prospective new lending opportunities
Credit Risk Control and Post Lending Management
· Prepare annual reviews, credit related memos, site visits and presentation reports
· Address post lending questions or issues, including updating post lending tickler to ensure receipt of all documents required per loan management
Compliance
· Work and coordinate with Quality Control Unit and BSA section to perform customer account reviews for new and existing loan customers and inform customers of regulatory compliance requirement
· Help define high-risk business character for current portfolio and enhance BSA/KYC and risk rating of commercial loan
· Handle loan business according to all Bank policies and procedures, as well as OFAC/KYC requirements
Customer Service Operations
· Ensure all documents required per loan agreement have been obtained and uploaded to centralized documentation storage
· Review the completeness of loan application, term sheet preparation, arrange appraiser to appraise the value of properties and order credit reports, review appraisal report, engineer, environmental and credit reports
· Prepare credit recommendation report and commitment letter after loan approval, negotiate loan documentation, arrange the closing and prepare the closing documents
· Monitor loan portfolio activities, and escalate any unusual and irregular activities to manager where applicable
Job Requirements: · Bachelor's Degree or above, preferred major in Finance, Economics, Accounting or relevant fields
· Minimum 4 years of corporate lending experience within Banking
· Sound knowledge of due diligence process, regulatory and compliance, as well as credit analysis, Commercial Real Estate, and product knowledge
· Strong knowledge of credit underwriting and portfolio management
· Demonstrate proficiency in Microsoft Word, Excel, Access, PowerPoint
· Bilingual ability in Mandarin and English required
The salary ranges for the AVP position is $65,000-$150,000.
Actual salary is commensurate with candidate's relevant years of experience, skillset, education and other qualifications.