Description

• Diverse Product Suite: Build a comprehensive portfolio. You will have a robust toolkit of solutions to offer SME clients-ranging from CASA and trade services to SFGS government-backed loans, commercial lending, and high-value Investment & Insurance (I&I) products.
• Strategic Growth Phase: We are aggressively expanding our SME market share. This is your chance to be a key driver of this expansion, giving your career high visibility and strong progression opportunities.
• Holistic Client Advisory: Instead of pushing single products, you will act as a true strategic partner to SME owners, helping them optimize their capital structure, cash management, and business protection.

• New-to-Bank (NTB) Acquisition: Actively hunt and acquire new SME customers, focusing on driving deposits (CASA), commercial lending, and general banking services.
• SME Lending & SFGS: Assess clients' financing needs and structure credit proposals, leveraging Special 100% Loan Guarantee (SFGS) and other commercial/SME loan products to support their business growth.
• Portfolio Deepening & Cross-Selling: Maximize wallet share by cross-selling wealth management products, including Investment & Insurance (I&I) solutions, treasury, and MPF schemes.
• Relationship & Risk Management: Establish trust-based relationships with SME business owners while maintaining a high standard of credit quality and risk management in line with the bank's policies.
• Mentorship & Collaboration: Provide guidance to junior team members on business acquisition strategies and collaborate with internal product teams to streamline the onboarding and credit approval process.

• Education: Diploma holder or above, preferably in Business Administration, Finance, Economics, or a related discipline.
• Experience: Minimum of 3 years of business development or relationship management experience in SME/Commercial banking. Proven track record in NTB acquisition is highly preferred.
• Licensing & Credentials: Valid licenses for IIQE (Paper 1, 3, 5) and HKSI (Paper 1, 7, 8) are required for cross-selling Investment and Insurance products.
• Product Expertise: Strong knowledge of SME banking products, deposit structures, commercial lending, and government-backed loan schemes (such as SFGS).
• Soft Skills: A self-motivated "hunter" with a strong business acumen, excellent communication skills, and the ability to negotiate effectively with business owners and stakeholders.
• Languages: Fluency in spoken Cantonese and English is required; proficiency in Mandarin is a definite asset.