四、中小企业金融业务拓展主任

　　岗位职责：

　　- 通过向中小企业销售现有/新的商业客户产品来获得新业务，并交叉销售其他RC产品以提供业务绩效并实现目标。

　　- 面试信贷申请，收集和分析财务和相关数据，以确定潜在客户的一般信誉和特殊贷款申请的优点，建立和协商信贷申请和申请批准的条款。

　　- 管理和维护现有的业务客户分配组合，并通过提供全面的银行解决方案实现分配的收入目标。

　　- 负责确定业务监控和测试以及报告结果，异常情况和此类监控/测试活动的结果。

　　- 监控并确保在商业客户银行内严格执行KYC政策。

　　- 按照标准和/或当地法规制定的合规指导进行操作。

　　- 与中小企业市场保持联系，了解中小企业市场在产品和/或服务方面的发展，建议和帮助商业客户管理实施中国商业客户的新产品和/或服务。

　　- 不时完成部门经理分配的临时任务，认为适当和必要的部门顺利运作。

　　- 在履行职责时负责执行和遵守反洗钱要求。

　　- 充分认识防范舞弊，防范舞弊风险，保持岗位安全稳定运行的重要性，落实舞弊防范监管要求，严格执行本部门DOI，确保完成相关培训，并在日常工作中嵌入舞弊防范措施

　　- 充分认识保护消费者权益的重要性，防止损害消费者的利益，落实与消费者权益保护相关的监管要求，确保完成相关培训，并在日常工作中始终把消费者权益保护思想融入其中。

　　任职要求：

　　1、财务或相关学科的大学学位是;

　　2、有一定的银行工作经验者优先;

　　3、良好的营销，沟通和人际交往能力;

　　4、愿意在压力下工作;

　　5、积极主动，积极的态度，以客户为导向，自我激励和团队合作精神的坚强拥护者;

　　6、良好的英文书写能力;

　　Scope of Role:

　　Driving business targets of the Business Clients segment. Keep abreast with Business Clients market developments to achieve better customer service and sharpened sales focus.

　　Key Responsibilities/Challenges:

　　- Acquire new business via outselling of existing/new Business Clients products to SMEs, and cross-sell other RC products to deliver business performance and achieve targets.

　　- Interview credit application, collect and analyze financial and related data to determine the general creditworthiness of the prospect and merits of the special loan request, establish and negotiate terms under which credit proposal and application for approval.

　　- Manage and outserve existing allocated portfolio of Business Clients customers, and achieved the assigned revenue target via providing of total banking solutions.

　　- Responsible for identifying the business monitoring and testing and reporting findings, exceptions and results from such monitoring/testing activities.

　　- To monitor and ensure strict execution of KYC policy within the Business Clients Banking.

　　- To constantly operate within the compliances guidelines set by group standard and/or local regulations.

　　- Constantly stay in touch with SME market to understand the latest development in the SME market in term of products and/or services, to suggest and help the Business Clients management in implementation of new product and/or services of Business Clients China.

　　- From time to time, to complete ad hoc tasks assigned by the line manager, deemed appropriate and necessary for the smooth functioning of the department.

　　- Accountable for implementing and complying with AML requirements when performing duties.

　　- Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work

　　- Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.

　　Selection Criteria:

　　- University degree in Finance or related discipline is preferred.

　　- With certain years of banking experience preferred.

　　- Good marketing, communication, and interpersonal skill

　　- Willing to work under pressure

　　- Proactive, positive attitude, customer oriented, self-motivated & a strong champion of team work spirit

　　- Good command in written English

（责任编辑：李明）