Associate Director, Client Coverage

Job Summary

•    Manage and grow a portfolio of large and complex corporate clients, acting as the primary point of contact and trusted advisor 
•    Drive revenue growth through acquisition of new clients and expansion of existing relationships across lending, transaction banking, markets and structured solutions 
•    Develop and execute client relationship strategies aligned with clients’ business objectives and the Bank’s risk appetite 
•    Originate, structure and deliver financing and banking solutions, working closely with product partners and coverage teams 
•    Lead credit origination and approval processes, including preparation of high quality credit proposals and ongoing portfolio monitoring 
•    Ensure timely delivery of solutions and high service standards, coordinating effectively with Credit, Operations, Legal, Compliance and other internal stakeholders 
•    Maintain strong risk and control discipline, ensuring full compliance with KYC, AML, CDD, sanctions and regulatory requirements 
•    Proactively identify and manage portfolio risks, escalating issues appropriately and taking corrective actions where required 
•    Conduct regular client reviews to assess performance, opportunities, and evolving risk profiles 
•    Uphold the Bank’s Values, Code of Conduct and Conduct Principles, demonstrating the highest standards of professionalism and ethics 
•    Contribute to cross border and cross business collaboration, supporting broader business growth initiatives 
•    Stay informed on market trends and industry developments to provide relevant insights and value added advice to clients

Job Responsibilities

•    Execute the business plan for the YRD
•    Foster cross-border, cross-functional and cross-business collaboration to drive our YRD strategic priorities; facilitate progress by resolving cross-business issues 
•    Drive and execute YRD portfolio growth through new acquisitions and expansion of existing relationships
•    Disseminate client and revenue growth targets as well as non-financial targets to their Relationship Managers, ensure they achieve these targets and sell in a professional manner through regular monitoring and coaching
•    Work closely with the Credit teams to improve service turnaround time and to strengthen credit related issues
•    Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
•    Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
•    Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring that they are fit-for-growth.
•    Conduct quality checks on KYC / CDD process
•    Follow and comply with AML CDD policies and procedures where applicable
•    Ensure internal / external KYC requirements are adhered to
•    Understand the risk and control environment in their area of responsibility and drive rectification as required
•    Be the first line of defence
•    Clear structures of accountability to ensure that team members are capable of performing successfully in their roles
•    Interpret the approved operating instructions / procedures for staff to follow, and ensure all the staff understand their duties and responsibilities and the need to seek clarification or escalate issues in a timely manner
•    Ensure effective implementation of Risk Management framework in the team

Job Requirements

•    Education     University graduate with 8-10 years experience    
•    Licenses     HKSI  PAPER 1    
•    Languages     Mandarin, English

Role Specific Technical Competencies
•    Accounting
•    Financial Knowledge
•    Cash Management
•    Financial Market
•    Syndication and Debt market