Wealth Management, Lending Advisor, China Focus
J.P. Morgan
Hong Kong
1天前

As part of the team of specialists, the Lending Advisor is credit specialist who provides flexibility for our most complex clients’ tailored banking and credit solutions.

  • Develop creative, innovative solutions to new client financings or restructurings within acceptable credit / risk parameters.
  • Participate in credit approval process :
  • o Create credit approval memos / restructure memos

    o Direct analysis, due diligence and credit presentations

    o Approve credit transactions within authority

    o Recommend risk ratings

    o Recommend and review documentation and pricing

  • Support business development and revenue growth of loan book by :
  • o Participate in the credit marketing efforts for the local market teams

    o Understanding the capital structure of existing clients and prospects and advising same

    o Being attentive to identifying new business opportunities / asking for referrals

    o Originate credit leads from existing clients and prospects and participate in new marketing initiatives

  • Balance objectives of client, new business generation and risk management
  • Underwrite and execute both loan and derivative structures (with credit risk therein)
  • Demonstrate credit / risk management discipline :
  • o Monitor portfolio risk

    o Change debt structure / risk ratings in response to changes in risk

    o Proactively work to improve portfolio quality and prevent loss

  • Works with Banker on sophisticated credit needs for client penetration and cross selling
  • Support coordination of sales effort with Investors, Fiduciary Administrators and Wealth Advisors
  • Degree holder or above
  • 5+ years experience with bank loan, mortgage, loan, credit and derivative products
  • Experience with banking concepts including, but not limited to : investment real estate loans, concentrated collateral loans, aircraft lending, commercial real estate and bridge loans
  • Knowledge of account maintenance procedures, loan closing procedures, credit administration and compliance procedures
  • High level of analytical skills, including financial analysis
  • Ability to identify and analyze credit opportunities and the attendant credit risks
  • Familiarity with credit documentation
  • Ability to maintain a balance between marketing and credit risk roles
  • Solid understanding of credit and derivatives transactions
  • Experience in structuring complex transactions
  • Completion of formal credit training program
  • Written and spoken fluency in English, Cantonese and Mandarin
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