Relationship Manager, Commercial Banking

About the role

Kowloon East is where our loan book actually grows. The industrial conversions around Kwun Tong and Ngau Tau Kok have filled up with mid-sized manufacturers, freight forwarders and specialist contractors who have outgrown a single overdraft facility and want a banker who returns calls. Our Business Banking centre on Hoi Yuen Road covers that patch with eight relationship managers and a dedicated credit team sitting on the same floor.

The role is open because one of our senior RMs has moved into the credit function, leaving a mature portfolio of roughly 70 borrowers with combined limits just under HK$1.4 billion. You inherit it — not a blank sheet. Your first ninety days are about meeting every top-20 client on their own factory floor and forming your own view before the next annual review cycle.

You will work daily with a credit analyst assigned to your book, our trade finance desk in Sheung Wan, and the cash management product team. Sanctioning is done in Hong Kong; there is no offshore committee sitting three time zones away that never met your client.

What you'll do

• Manage and grow a portfolio of 60-80 SME and mid-market borrowing relationships across Kowloon East and the eastern New Territories.
• Structure working capital, term loan, equipment finance and trade facilities, and write the credit application yourself rather than delegating it.
• Present cases to the Hong Kong credit committee and defend your recommendation, including the downside scenario.
• Run annual reviews on schedule, chase covenant compliance and audited accounts, and escalate early warning signals before they become past dues.
• Cross-sell FX hedging, payroll and cash management with the product specialists, and split the credit fairly with them.
• Conduct site visits — factories, warehouses, yards — and record what you actually saw in the call report.
• Keep KYC refresh and lending-related documentation current in line with HKMA supervisory expectations.

What we're looking for

• 6+ years in commercial or business banking in Hong Kong with direct portfolio ownership.
• Demonstrated ability to write a credit paper end to end, including financial spreading and covenant design.
• Bachelor's degree in business, finance, accounting or a related discipline.
• Native Cantonese and business-level English; Mandarin needed for mainland-parented clients.
• Sound working knowledge of HKMA lending guidelines and the SME Financing Guarantee Scheme.

Nice to have

• AHKIB or Certified Banker designation from the Hong Kong Institute of Bankers.
• Existing coverage of light manufacturing, printing or logistics clients.
• Experience with cross-boundary lending into the Greater Bay Area.

What you get

• 13th month plus a transparent quarterly incentive tied to portfolio revenue, not units sold
• Medical and dental for you and dependants, with an outpatient network across Kowloon
• Staff mortgage and personal loan preferential rates
• 18 days annual leave rising to 22, plus your birthday off
• Full sponsorship for HKIB Certified Banker modules