The Relationship Officer (RO) at the Chinese Desk will assist Relationship Managers in managing a portfolio specifically for Chinese-owned businesses. The primary objective is to maximize the profitability of the overall portfolio by identifying and providing tailored financial solutions. This role provides critical support to the sales force by conducting credit reviews, risk evaluations, and monitoring designated portfolios to ensure a high-quality loan book. Additionally, the RO is responsible for managing all audit and compliance standards within the department.
Key Responsibilities
Sales & Business Development Support
Collaborate with Relationship Managers to grow Chinese business through product volume, new client acquisition, and increasing products per client.
Develop and implement client strategies to identify product and service opportunities.
Cultivate existing relationships and anticipate Chinese clients' needs to identify incremental sales opportunities.
Conduct client visits and assessments; prepare comprehensive call reports and post-visit analyses.
Provide administrative support in managing Chinese client relationships and act as a backup for Relationship Managers during their absence.
Maintain deep product knowledge to craft tailor-made solutions.
Manage account opening documentation and support customer transactions.
Maintain Quality Loan Book
Analyze facility requests per the bank’s lending manual and credit policy.
Analyze account statistics and ensure credit proposals are well-presented to the Credit Committee.
Monitor perfection of securities and ensure properties are insured with the Bank’s interest noted.
Confirm compliance with all conditions before completing compliance certificates.
Credit Administration and Audit
Manage the credit application process from proposal stage to disbursement.
Monitor portfolios to ensure they remain within limits and exhibit no signs of distress.
Ensure correct interest rates are applied to avoid income leakage.
Keep abreast of international market developments and industry-specific trends relevant to clients.
Adhere strictly to all regulations, statutes, and internal processes (KYC, AML).
Portfolio Monitoring and Control
Manage Department Credit Administration including PAR (Portfolio at Risk), Excesses, and Collateral.
Maintain a low PAR (not more than 3%) and prepare responses for Early Alert Meetings.
Ensure timely renewal of overdraft limits (at least 3 months prior to expiry).
Maintain proper filing and documentation on credit files.
Lead the preparation of responses to audit reports to maintain a satisfactory rating.
Customer Experience
Ensure customers receive high-quality service and that non-investigative queries are resolved the same day.
Resolve investigative queries within 48 hours.
Maintain effective relationships with clients and assist in opening new accounts.
Requirements and Qualifications
Education: University degree in a relevant business discipline (e.g., Business Administration or Finance).
Experience: At least two (2) years in sales and business development. Experience handling Chinese business clients is highly desirable.
Technical Knowledge: Sound knowledge of Business Banking/SME products and retail banking branch operations.
Language: Highly effective communicator in the Mandarin language (Mandatory).
Certification: Diploma in Banking – AKIB is an added advantage.
Competencies: Strong negotiation, problem-solving, and relationship management skills.
How to Apply
Interested and qualified candidates should apply online through the Sidian Bank application portal at the following link: Apply Here. Applications must be submitted no later than March 18, 2026.
