Wealth Management, Lending Advisor, Vice President/Associate China Focus
JPMorgan Chase & Co
Hong Kong, , HK
1天前

J.P. Morgan Asset & Wealth Management, with client assets of $2.4 trillion, is a global leader in investment and wealth management.

Its clients include institutions, high-net-worth individuals and retail investors in every major market throughout the world.

The division offers investment management across all major asset classes including equities, fixed income, alternatives, multi-asset and money market funds.

For individual investors, the business also provides retirement products and services, brokerage and banking services including trusts and estates, loans, mortgages and deposits.

Our Team :

As part of the team of specialists, the Lending Advisor is an expert on creditwho provides flexibility for our most complex clients’ tailored banking andcredit solutions.

Responsibilities :

  • Develop creative, innovative solutions to new client financings orrestructurings within acceptable credit / risk parameters.
  • Responsible for business development and revenue growth of loan book by :
  • Leading the credit marketing effort for China UHNW clients
  • Understanding the capital structure of existingclients and prospects and advising same
  • Being attentive to identifying new businessopportunities / asking for referrals
  • Originate credit leads from existing clients andprospects and participate in new marketing initiatives
  • Act as local expert for business solutions
  • Balance objectives of client, new business generation and risk management
  • Underwrite and execute both loan and derivative structures (with credit risktherein)
  • Serve as primary contact on credit portfolio and / or key / complex borrowingrelationships
  • Demonstrate credit / risk management discipline :
  • Monitor portfolio risk
  • Change debt structure / risk ratings in response tochanges in risk
  • Proactively work to improve portfolio quality andprevent loss
  • Works with Banker on sophisticated credit needs for client penetration andcross selling
  • Support coordination of sales effort with Bankers, Investors,Fiduciary Administrators and Wealth Advisors
  • Provide guidance to junior staff
  • Qualifications :

  • Degree holder or above
  • 8+ years’ experience with bank loan, mortgage, loan, credit and derivativeproducts
  • Experience and proven success with banking concepts including, but notlimited to : securities-backedloans, share-backed financing,concentrated collateral loans,aircraft lending, commercial real estate and bridge loans
  • Sales experience including : profiling, overcoming objections,negotiation, team selling approach, closing the sale and asking for referrals
  • Knowledge of account maintenance procedures, loan closing procedures, creditadministration and compliance procedures
  • Demonstrated understanding of wealth management including, but notlimited to : investing, trust and financial planning
  • High level of analytical skills, including financial analysis
  • Ability to identify and analyze credit opportunities and the attendantcredit risks
  • Familiarity and expertise with credit documentation
  • Ability to maintain a balance between marketing and credit risk roles
  • Expertise in credit and derivatives transactions
  • Experience in structuring complex transactions
  • Completion of formal credit training program
  • Written and spoken fluency in English and Mandarin (Cantonese beneficial);knowledge and experience in doing credit business in China
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