Head of Commercial Banking

Responsibilities:

• Develop and execute strategic plan and roadmap to achieve Banks objective and target on commercial banking business including corporate loan, revolving / overdraft facility, share margin, trade finance, SME segment and personal loan, etc.
• Identify and pursue new business opportunities to drive business growth and maximize revenue potential with corporate / SME clients
• Expand the customer base of commercial banking and actively promote various loan products and cross-sell other banking products and services such as deposits and wealth management products and private banking services.
• Monitor and manage financial performance of the corporate and commercial banking business on the bank, for customers in Macau, HK and GBA. Setting financial targets and taking appropriate actions to achieve them.
• Motivate, drive and manage teams through providing guidance, coaching and training for staff development and fostering a high-performance culture and ensuring alignment with the sales strategy
• Oversee and ensure the daily operations and sales activities comply with internal and external requirements and relevant regulatory policies
• Maintain and develop loan portfolios and to supervise commercial banking related services and activities
• Prepare sales management reports including sales pipelines and sales tracking and conduct business analysis for management review
• Participate in the development and implementation of compliance, systems, and procedures initiatives for commercial banking functions
• Assessing and managing risks associated with corporate banking activities, and have good knowledge on relevant regulations.
• Staying informed about industry trends, market conditions and competitive landscape, in order make informed business and credit decisions, identify potential risks and opportunities, and adjust the divisions strategy accordingly.

Requirements:

• Degree holder or above in Business, Finance or related disciplines
• 20+ years experience in commercial lending, and at least 10 years as managerial role preferably team / department head or above
• 5+ years experience in commercial and corporate banking business in both Hong Kong and Macau
• Resourceful with strong market network in both Hong Kong and Macau preferred
• In-depth knowledge of all aspects of commercial banking including strong commercial credit knowledge and an ability to quickly learn new products and services
• Well versed with the principles of commercial credit and corporate lending policies and standards
• Proven track record of successfully managing and leading team with reputation for retaining, attracting and developing talents
• Deep understanding or corporate banking products, services, and practices is essential. This includes knowledge of corporate and commercial lending, trade finance, cash management, syndication and so on
• Demonstrates a strategic mindset, good business sense, and a strong commitment to sales
• Fluent in written and verbal English and Cantonese, with a communicative level of Mandarin
• Ability to adapt to a fast-paced, dynamic environment and stay updated with industry trends and regulatory changes.