Relationship Manager , SME banking

Why Join Us?

• Extensive Solution Portfolio: Deliver a full spectrum of commercial offerings. Access a broad suite of financial tools for SME clients—spanning CASA, trade finance, government-backed SFGS loans, commercial credit, and wealth products (Investment & Insurance).
• Strategic Business Expansion: We are rapidly scaling our SME market presence. Play a central role in driving this growth, gaining high internal visibility and accelerated career advancement opportunities.
• Consultative Client Partnering: Move beyond transaction-focused selling to serve as a trusted advisor to SME founders, assisting them in refining capital allocation, liquidity management, and commercial risk mitigation.

Key Responsibilities

• New Client Acquisition: Proactively prospect and onboard new SME accounts, driving growth across CASA deposits, business credit, and core banking offerings.
• Commercial Credit & SFGS Financing: Evaluate client borrowing requirements and draft tailored credit packages, utilizing government-backed SFGS schemes and commercial loan options to power business expansion.
• Portfolio Expansion & Solution Cross-Selling: Deepen existing client relationships by offering wealth solutions—including Investment & Insurance (I&I), treasury services, and MPF programs—to maximize customer value.
• Client Engagement & Risk Control: Build enduring partnerships with corporate decision-makers while maintaining strict adherence to credit risk standards and internal bank compliance guidelines.
• Team Guidance & Internal Alignment: Support junior colleagues on business development tactics while partnering with cross-functional product teams to accelerate onboarding and credit processing.

Requirements

• Education: Diploma or degree holder, ideally in Finance, Business Administration, Economics, or a related field.
• Professional Experience: At least 3 years in commercial or SME banking relationship management and business development. A strong background in new-to-bank customer acquisition is highly desirable.
• Regulatory Qualifications: Valid IIQE (Papers 1, 3, 5) and HKSI (Papers 1, 7, 8) credentials for distributing wealth and insurance offerings.
• Subject Matter Expertise: Solid grasp of SME commercial banking products, deposit structures, credit facilities, and government-backed financing programs (e.g., SFGS).
• Core Competencies: Results-driven mindset with sharp commercial acuity, strong communication skills, and proven negotiation ability with business executives.
• Language Skills: Fluent in spoken and written Cantonese and English; proficiency in Mandarin is a strong advantage.