ASSISTANT RELATIONSHIP MANAGER JOB DESCRIPTION

Supporting a client book means nothing without operational discipline behind it. An Assistant Relationship Manager in private banking holds the administrative and transactional infrastructure that keeps High Net Worth and Ultra High Net Worth client relationships intact, account opening documentation, KYC and due diligence files, transaction execution across equities, fixed income, FX, and OTC derivatives, and regulatory compliance under frameworks such as the SFC, HKMA, and AML requirements. Most practitioners enter from client servicing roles and advance to full Relationship Manager standing. The work is narrow in title but wide in consequence: a single missed covenant review or incomplete compliance file can stall a portfolio worth multiples of annual revenue.

As the Assistant Relationship Manager, you support a team of senior private bankers in delivering comprehensive wealth management services to HNW and UHNWI clients, managing the operational, compliance, and transactional functions that sustain portfolio performance and client retention. You sit within the front-office Relationship Management team, working across internal departments including Credit, Operations, Legal, and Investment Portfolio Management to ensure every client instruction is executed accurately and on time.

Career Impact: Developing deep competency in private banking operations, AML frameworks, and multi-asset transaction execution positions you for progression to a full Relationship Manager role with independent portfolio responsibility.

Business Impact: Private banking client retention depends directly on the accuracy and responsiveness of operational support; errors in KYC documentation, trade execution, or covenant monitoring translate into regulatory exposure and client attrition that senior bankers cannot absorb alone.

Growth Opportunity: Consistent exposure to structured credit facilities, capital markets products, and UHNWI portfolio dynamics accelerates the qualification path toward recognized designations such as CFA, CACS, or ECF-RWM, broadening your market value across private banking jurisdictions.

• Support Relationship Managers with account opening documentation, KYC collection, and due diligence file preparation to meet regulatory standards.
• Execute client transactions across equities, fixed income, FX, deposits, and OTC derivative products with accuracy and within compliance guidelines.
• Monitor client accounts for overdrafts, outstanding actions, covenant breaches, and irregular activity, escalating findings promptly.
• Coordinate with Credit, Legal, Operations, and Investment Portfolio Management teams to resolve client instructions and service requests without delay.
• Prepare credit facility documentation, loan submission packages, financial spreads, and cash flow analysis in support of senior bankers.
• Conduct client calls and correspondence on routine inquiries, ensuring all responses close the loop within agreed service standards.
• Maintain CRM records including client contact data, visit notes, periodic review schedules, and transaction history.
• Review compliance documentation against internal procedures and external regulatory requirements, including AML, KYC, and applicable licensing obligations.

• Bachelor's degree in Business, Finance, Banking, or equivalent work experience.
• 3 or more years of private banking or wealth management experience, with direct exposure to HNW client servicing.
• Working knowledge of private banking products including investment instruments, structured deposits, credit facilities, and FX solutions.
• Demonstrated ability to manage KYC, AML, and account documentation processes in compliance with regulatory requirements.
• Strong analytical capability with experience reviewing financial statements, credit files, or investment proposals.
• Excellent interpersonal and written communication skills, with the ability to manage multiple stakeholders across front and back office functions.
• High attention to detail and organizational discipline in a fast-paced, deadline-driven environment.

• Holding or active progress toward CACS Paper 1 and 2, HKSI Licensing Examination, or an equivalent advisory competency certification.
• Experience within an External Asset Management, UHNWI, or family office environment.
• Proficiency in a second language, particularly Mandarin, Cantonese, or German, reflecting the client base of major private banking centers.
• Familiarity with trade order execution platforms or CRM tools used in private banking operations.

• Client documentation turnaround time, measured against the agreed SLA for KYC and account opening completion.
• Transaction execution error rate, tracking the percentage of client instructions processed without amendment or recall.
• Covenant and review completion rate, reflecting the proportion of scheduled client reviews and covenant tests completed on time.
• Compliance exception count per quarter, measuring the frequency of AML, KYC, or procedural flags raised during internal audit.
• Client query resolution rate, tracking the share of routine inquiries closed without escalation to senior bankers.
• Typical tools: CRM platforms (commonly Salesforce or proprietary bank CRM); trade execution systems (commonly Avaloq or Temenos)

• Base Salary Range: $65,000 to $95,000 annually, depending on experience and market
• Bonus: Discretionary annual bonus, typically 10% to 20% of base salary
• Equity: Not standard at this level; possible in boutique or fintech-adjacent firms
• Health Benefits: Medical, dental, and vision coverage; employer contribution varies by firm
• PTO: 15 to 20 days annually, plus standard federal holidays
• Common Perks: Professional development and certification sponsorship (CFA, CACS); licensing exam reimbursement; employee banking benefits

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Background screening, including criminal history and credit history review, is a condition of employment for all positions in this sector. Work authorization in the United States is required; sponsorship availability varies by employer. All qualified applicants will be considered without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, or local law. Reasonable accommodations for individuals with disabilities are available throughout the hiring process upon request.

The Assistant Relationship Manager owns the end-to-end credit analysis process, assessing applicants' business and financial data to prepare accurate credit recommendations and apply risk rating scoring models with limited supervision. Reporting to senior lending leadership and partnering with CSMs and Relationship Managers, this role ensures loan quality, policy compliance, and timely resolution of borrower issues that protect the bank's credit portfolio.

Key Responsibilities

• Analyze business, industry, and financial data to assess an applicant's credit request and identify key business and financial risks that may impact repayment prospects.
• Derive conclusions supporting credit recommendations based on documented facts and sound judgment.
• Prepare timely, concise, and accurate credit recommendations with limited supervision or revision.
• Include quantitative components within the underwriting narrative to document credit analysis.
• Apply risk rating scoring models accurately, covering both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated.
• Identify and mitigate all exceptions to tracked policy exceptions, tracked guidelines exceptions, procedures, and compliance regulations.
• Ensure accurate loan coding consistent with the nature of the borrowing relationship and terms of the credit.
• Monitor borrower financial performance in line with commercial and real estate loan documents.
• Spread financial statements and ensure required financial statements are spread in accordance with guidelines, with covenant calculations that are accurate, complete, and adhere to approval conditions and loan documentation.
• Collaborate with CSMs to ensure borrower notifications are sent, and approvals are obtained to resolve any violations promptly.
• Partner with CSMs and Relationship Managers to offer insights into customer financial needs, including opportunities identified using approved relationship expansion tools.
• Offer opinions related to a loan structure's effectiveness in mitigating risks, appropriate to the prevailing competitive market environment and risk tolerances.
• Oversee the work of other commercial underwriters or credit analysts, including timely review of credit reports to ensure a high level of quality before submission for approval, with findings captured via a standardized Quality Control checklist.
• Demonstrate compliance with all regulations for the assigned job function and apply knowledge to designated job responsibilities.
• Keep up to date on regulation changes and follow all policies, procedures, and compliance regulations, completing all required annual or job-specific training.
• Coach, mentor, or train others and teach coursework as a subject matter expert.

Required Qualifications

• Bachelor's degree in Business, Finance, Accounting, or equivalent work experience.
• 6+ years of commercial underwriting, credit analysis, or relevant lending experience.
• Advanced knowledge of credit policies, procedures, practices, and documentation.
• Working knowledge of written policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, and other applicable regulations.
• Advanced analytical and problem-solving skills.
• Advanced credit and credit quality skills, including accounting, financial statement spreading, and cash flow analysis.
• Demonstrated time management skills, reflecting the ability to manage multiple tasks simultaneously while delivering work on time.
• Ability to work effectively with individuals and groups to manage internal and external customer relationships.
• Excellent written, verbal, interpersonal, and presentation skills, including the ability to train and present to small and large audiences.

Embedded within the wealth management team, the Assistant Relationship Manager delivers tailored financial planning support and client relationship management for a private client base, including onboarding, documentation, and business development activities. Working closely with Relationship Managers and the Investment Portfolio Management team, this role ensures client strategies are aligned with investment objectives and that all activities are conducted within the regulatory framework.

Core Functions

• Provide support to Relationship Managers in delivering excellent wealth management services and client experiences.
• Assist Relationship Managers in providing tailored and comprehensive financial planning advice and portfolios for clients.
• Onboard and manage existing client relationships, including regular client contact and communications.
• Assist in retaining and building client relationships.
• Cooperate with other departments to ensure accuracy of client information.
• Actively participate in the development of new business and networking opportunities.
• Support the documentation for client meetings, business trips, investment proposals, and other related materials.
• Cooperate with the Investment Portfolio Management team to incorporate clients' investment strategies and planning objectives.
• Ensure all activities are undertaken within the regulatory framework and that policies and procedures are adhered to when performing tasks.

Qualifications & Experience

• Bachelor's degree or above from an accredited college or university.
• Minimum of 5 years of experience in the finance or banking industry.
• CFA designation is a plus, or currently working towards completion.
• Strong understanding of the financial services industry and financial consulting responsibilities.
• Experience in understanding the financial needs of clients.
• Excellent interpersonal skills and ability to build and foster a strong network of relationships.
• Commitment to extraordinary client service through professional excellence, the highest ethical standards, and effective use of available resources.
• Creative approach to problem-solving and ability to develop innovative solutions for clients.
• Highly motivated and able to work effectively in a fast-paced and entrepreneurial environment.
• Tactful and adaptable to changing demands, with the ability to work independently and as part of a team.
• Detail-oriented, with a commitment to excellence and a high level of integrity.
• Active listening, critical thinking, and strong administrative and marketing skills.

Reporting to Private Bankers, the Assistant Relationship Manager shapes the quality of high-net-worth client relationships by preparing credit applications, conducting annual reviews, and acting as the primary daily banking contact for a specialist private client portfolio. Partnering with Private Bankers on proactive client calls and lead follow-up, this role enables the team to grow and retain its portfolio while maintaining full compliance with regulatory requirements covering money laundering and criminal activity.

Primary Duties

• Serve as the main point of contact and accountability for clients in respect to their day-to-day banking.
• Build and monitor client relationships.
• Support Private Bankers in developing, growing, and retaining their portfolio of high-net-worth clients, ensuring a quality of service is provided at all times.
• Identify new sales opportunities.
• Undertake proactive client calls and ensure Private Bankers follow up on all client leads and facilitate client meetings.
• Prepare full client briefs and research for Private Bankers.
• Initiate, discuss, and complete credit applications on behalf of Private Bankers.
• Monitor, prepare, and carry out annual credit and client reviews, maintaining client files in the process.

Skills & Qualifications

• Experience working in a similar role.
• Detailed and demonstrable technical knowledge of property lending.
• Credit writing skills from a frontline or underwriting perspective.
• Detailed knowledge of regulatory requirements covering money laundering and criminal activity.
• Strong written and verbal communication skills.
• Excellent time management and organizational skills.
• A good understanding of banking systems and IT literacy, including a high level of proficiency in Microsoft Office.
• Ability to work under pressure with a heavy workload and manage multiple tasks simultaneously.

Sitting at the intersection of private banking operations and investment execution, the Assistant Relationship Manager provides primary support to Relationship Managers in managing client relationships and executing a full range of banking and investment transactions, including equities, fixed income, FX, and OTC derivative products for high-net-worth clients. Operating across account opening, KYC due diligence, and internal department coordination, this role ensures credit policy adherence and seamless client service delivery within a regulated private banking environment.

Duties

• Provide primary support to Relationship Managers in managing client relationships and delivering a wide range of private wealth management services to high-net-worth clients.
• Respond to client enquiries and monitor transactions and activities in client accounts.
• Execute a range of banking and investment transactions, including equities, fixed income, FX, OTC derivative products, mutual funds, alternative investments, deposits, and loans.
• Ensure full awareness of and adherence to credit policy and operational procedures.
• Collect and prepare account opening documentation, perform KYC and due diligence, and work with internal departments to process account opening.

Experience & Qualifications

• 3+ years of working experience in the private banking sector.
• Solid experience in serving high-net-worth clients.
• Strong understanding of private banking products and services, with good knowledge of investments, operational procedures, and systems.
• Passed the HKSI Licensing Examination Papers 1, 7, and 8, and holds a License Person of Type 1 and 4 under HKMA or SFC.
• Excellent interpersonal, communication, work organisation, and client interfacing skills.
• Customer-oriented and able to thrive in a fast-paced environment.
• Strong language proficiency in verbal and written English and Chinese, including both Cantonese and Mandarin.

A key member of the private banking operations team, the Assistant Relationship Manager builds the administrative and client servicing backbone by processing loans, handling daily funding and cash management activities, and supporting corporate actions and marketing events. Collaborating across departments and stakeholder groups, this role ensures accurate record-keeping and client statement delivery that sustains a consistent, high-quality client experience.

Functions

• Process loans and handle daily client funding and cash management activities.
• Handle payment processing.
• Ensure up-to-date record-keeping of pricing for clients.
• Support marketing events and dispatch client statements when required.
• Support corporate actions processing and ensure source of wealth records for clients are kept up to date.
• Work closely with stakeholders across different departments.

Requirements

• Qualification in college or higher education in business, economics, or technology.
• Private banking background is an advantage but not mandatory.
• Strong attention to detail with strong organizational and time management skills, including the ability to prioritize and multitask.
• Ability to communicate with and manage stakeholders effectively.
• High service and client orientation, with enthusiasm for daily administrative tasks and stakeholder contact.
• Ability to excel under pressure with a positive, can-do attitude.
• Fast learner with the ability to assimilate information quickly from multiple sources.

Accurate and compliant transaction execution underpins the work of the Assistant Relationship Manager, who initiates account documentation, executes client transactions, and establishes credit facilities while ensuring all activities meet legal and compliance guidelines. Based within a private banking team and liaising with internal stakeholders and Relationship Managers, this role supports system enhancement initiatives and enables smooth, well-governed client service delivery.

Accountabilities

• Initiate and follow up on documentation pertaining to account opening.
• Liaise with clients to ensure submitted documents are in order.
• Ensure efficient and prompt management of orders and execution of transactions.
• Collaborate with and obtain information from internal stakeholders to ensure work is performed promptly.
• Provide background information to Relationship Managers and Product Specialists to facilitate the execution of client transactions.
• Establish credit facilities for clients and provide close monitoring of accounts.
• Participate in UAT testing of system enhancements and work process improvement initiatives.
• Ensure compliance with legal and compliance guidelines and regulatory requirements.

Education & Experience

• Bachelor's degree in Business, Banking and Finance, or equivalent.
• Certification in Client Advisory Competency Standards (CACS) Paper 1 and 2.
• 5 to 7 years of relevant work experience in a similar role, preferably in private banking.
• Meticulous, with a strong eye for detail.
• Able to multi-task and thrive in a fast-paced work environment.
• Strong stakeholder and project management skills.
• Excellent interpersonal and written communication skills.

As the Assistant Relationship Manager, this role delivers accurate and timely execution of banking transactions and documentation support for preferred customers, ensuring all instructions are followed up and closed within the expectations of both clients and Relationship Managers. The retail banking team relies on this work to maintain service quality standards, internal process compliance, and a thorough grasp of product terms and conditions that underpin every client interaction.

Day-to-Day Responsibilities

• Provide excellent customer service and foster strong relationships with clients to ensure satisfaction and support the business activities of Relationship Managers.
• Assist preferred customers with all documentation, transactions, and enquiries, excluding advisory-related matters.
• Execute banking transactions accurately and promptly to meet the expectations of preferred customers and Relationship Managers.
• Ensure all instructions are followed up and closed, with strong initiative to execute time-sensitive transactions in a timely and accurate manner.
• Maintain a good grasp of internal processes, procedures, documentation, fees, and related terms and conditions of products and services.

Position Requirements

• At least 5 years of experience in a financial institution with a customer service background.
• At least 2 years of experience supporting Relationship Managers or Personal Bankers.
• Knowledge of customer service principles and practices.
• Knowledge of basic retail banking products and services.
• Proficiency in relevant computer applications.

Assistant Relationship Manager executes account opening, credit approvals, and investment and deposit transactions on behalf of private banking clients, serving as the key daily operational contact while ensuring full compliance with policies and legal requirements. The work directly supports Relationship Managers and clients by processing general instructions accurately, conducting controls-related duties, and escalating irregularities promptly to protect client account integrity.

Day-to-Day Responsibilities

• Open accounts, prepare documentation, and process general instructions.
• Process credit approvals and investment and deposit transactions.
• Execute clients' instructions and effect transactions on behalf of clients, informing Relationship Managers and clients of any irregularities according to account documentation or general instructions.
• Ensure that private banking transactions comply with policies and legal requirements.
• Serve as key contact for client enquiries on a daily operational basis.
• Conduct controls-related duties, including call-backs, and assume any other tasks as assigned.

Qualifications & Experience

• University degree or equivalent.
• Certification such as CACS Paper 1 and 2 is required.
• 5 to 10 years of relevant experience in client servicing and sales operations.
• Private banking experience is an advantage.
• Good communication and interpersonal skills.
• Customer-oriented, self-motivated, and meticulous.
• Ability to work in a stressful and fast-paced environment.

The Assistant Relationship Manager delivers accurate and timely loan portfolio oversight, maintaining the CRM system, monitoring borrower covenant data, and coordinating with Transaction Services, Legal Services, Credit, and Borrower Services teams to ensure post-completion conditions and tasks are actioned within deadlines. Reporting to senior Relationship Managers and supporting the broader lending team, this role enables early identification of credit concerns and supports the preparation of reports and proposals for Credit and Legal Services.

Operational Focus

• Maintain the CRM system, including keeping customer contact information up to date, ensuring customer reviews are completed on time, arranging customer visits, and keeping visit information current.
• Deal with post-completion conditions and ensure these are completed by given deadlines or that credit approval is obtained to extend.
• Monitor tasks assigned to the Borrower Solutions Team and ensure these are actioned on time.
• Assist with the collection and analysis of management information and covenant data, highlighting areas of concern to managers.
• Assist with the monitoring team on MI collection and covenant testing as required.
• Work collaboratively with Transaction Services, Legal Services, Credit, and Borrower Services teams.
• Assist with the preparation of reports and proposals for Credit and Legal Services in relation to breaches, waivers, or consents.
• Review customer projections during the lifecycle of the loan.
• Support the Relationship Manager or Senior Relationship Manager with future opportunities within the portfolio.

Technical Qualifications

• Minimum 5 years of relevant experience gained in a professional company, financial institution, or firm.
• Understanding of debt finance, asset finance, and financial services.
• Familiarity with corporate loan and security documentation and an understanding of financial covenants, including setting and testing.
• Strong interest in the financial technology sector.
• Highly organised self-starter with the ability to work under pressure and to tight deadlines.
• Excellent analytical and time management skills.
• Ability to review and critically analyse complex financial statements or projections to identify trends, anomalies, and recommendations.
• Excellent written and verbal communication skills and the ability to produce concise reports.
• Ability to build relationships with stakeholders and adapt to rapid changes in the market.

Embedded within the commercial banking team, the Assistant Relationship Manager leads fund record maintenance, loan administration, and deposit account management for a diverse client portfolio, including tracking quarterly and annual fund reports and coordinating capital calls with the Accounting department. Working closely with Loan Administration, Relationship Managers, and Commercial Banking Assistants, this role supports revenue-generating activities and ensures clients receive accurate, timely responses to administrative loan and deposit enquiries.

Scope of Work

• Gather information and documentation for the preparation of closings with investment funds and set up and maintain fund records in the shared drive.
• Collect and track quarterly reports, annual reports, deal announcements, and data for internal reports.
• Track Community Reinvestment Act eligibility for portfolio companies within assessment areas.
• Work with the Accounting department on capital calls and distributions.
• Gather information for the preparation of loan documents and work with Loan Administration to ensure new loans and renewals are funded and booked promptly.
• Provide clients with periodic rate quotes on an as-needed basis and assist in building and maintaining credit files.
• Work with clients on administrative questions regarding loans, including amortization schedules and billing questions.
• Set up and maintain commercial deposit accounts and assess clients' needs in relation to depository accounts, providing recommendations.
• Work with clients on administrative questions regarding deposit accounts, including incorrect deposit posting and stop payments.
• Handle phone and email enquiries, completing those of a routine nature and redirecting other matters to the appropriate parties.
• Assist with developing and training Commercial Banking Assistants.
• Provide administrative support for Relationship Managers, including assistance with the Client Relationship Management system, preparation of expense reports, client correspondence, and calendar management.

Knowledge Skills & Abilities

• High school diploma or equivalent.
• 5 years of business-related training or education equivalent to two years of college.
• Proficiency in computer skills, including MS Office products.
• Ability to use effective judgment in the Relationship Manager's absence.
• Strong organisational skills, including the ability to multi-task.
• Effective interpersonal skills in person, by email, and by telephone.
• Mature attitude toward work.

Reporting to the Senior Relationship Manager, the Assistant Relationship Manager shapes the operational integrity of the EAM client lifecycle by overseeing daily account monitoring, facilitating onboarding and due diligence committee file creation, and executing trade orders across multiple asset classes, including cash, FX, and corporate actions. Partnering with internal service providers across settlement, custody, and transaction processing teams, this role ensures client documentation, compliance records, and IT tool proficiency among EAMs are maintained to the standards required for a regulated banking environment.

Delivery Expectations

• Oversee the daily monitoring of client accounts, including overdrafts, outstanding actions, and open trade monitoring.
• Liaise with internal service providers to ensure timely and accurate execution and resolution of client requests across settlement, custody, reporting, and transaction processing teams.
• Monitor operational activity to ensure errors are detected and remediated promptly.
• Facilitate client account opening within the CRM tool and support the Senior Relationship Manager with all administrative duties relating to client account opening and correspondence.
• Ensure that the EAM onboarding process is followed for all new relationships, including the creation of high-quality due diligence committee files for submission.
• Ensure appropriate documentation is collated and maintained for all clients and that client contracts and transaction justifications are properly documented for compliance.
• Provide training to EAMs on IT tools related to day-to-day operations.
• Facilitate execution of trade orders across multiple asset classes, including cash transfers, management fees, foreign exchange transactions, and corporate actions.
• Keep up to date with internal and external regulatory changes.
• Promote transparency within the team and support management in its leadership role.

Background & Experience

• Master's degree in Business or Economics is desirable.
• Background in the commercial or banking sector.
• Minimum 3 years of experience in a similar position within an EAM department.
• Very good level of IT proficiency, including MS Office.
• Service-oriented, professional, and empathetic to clients' needs.
• Strong organisational and communication skills, detail-oriented, reliable, and with a clear sense of priorities.
• Able to work in a demanding, high-pressure environment.
• Dynamic, flexible team player who can also work independently.

Sitting at the intersection of credit analysis and business development, the Assistant Relationship Manager builds targeted client research, including financial spreads, cash flow statements, and industry reports, to support Relationship Managers in loan submissions and portfolio reviews for both new and existing commercial clients. Operating across credit file maintenance, audit support, and business client prospecting, this role strengthens the lending team's capacity to acquire new relationships and maintain compliance with federal loan regulations.

Role Responsibilities

• Assist Relationship Managers in the closing and documentation of new and existing credit facilities and attend loan closings.
• Assist Relationship Managers with calls on new and existing clients.
• Support Relationship Managers in the preparation of loan submission packages, including financial spreads, cash flow statements, commercial real estate models, and ROE models.
• Direct financial statements to commercial credit analysts for spreading and analysis.
• Research and draft company reports for new and existing clients, including company histories, financial analysis, collateral analysis, global cash flow analysis, and strengths and weaknesses of loan requests.
• Research and draft industry reports for existing and potential customers using public information, trade publications, and additional resources.
• Compile targeted potential business client lists for Relationship Managers to utilise in business development.
• Assist Relationship Managers with exceptions, credit file maintenance, credit monitoring requirements, preparation for portfolio reviews, and required covenant maintenance.
• Provide back-up support for managing the internal and external audit and examination process with respect to lending.

Professional Experience

• Bachelor's degree or equivalent.
• Customer service experience.
• Knowledge of federal laws and regulations involving loans.
• Ability to read, analyse, and interpret business periodicals, professional journals, technical procedures, and procedure manuals.
• Ability to effectively communicate information and respond to questions from managers, clients, customers, and the general public.
• Ability to analyse a credit application for completeness and identify documents needed across all types of loans.
• Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Ability to interpret instructions furnished in written, oral, diagram, or schedule form.

A key member of the digital assets lending team, the Assistant Relationship Manager builds the institutional lending book by developing new relationships with financial institutions and asset managers, writing credit appraisal notes, and monitoring exposures across BTC, altcoins, stablecoins, and CBDCs. Collaborating across middle office, operations, legal, and retail platform teams, this role enables the firm to maximise lending deployment and profitability within the cryptocurrency and digital asset landscape.

Key Deliverables

• Develop and cultivate opportunities to deploy lending products and initiate new relationships while maintaining existing relationships with institutions and asset managers.
• Maintain the lending profit and loss to cultivate avenues to maximise profit and deployment opportunities.
• Work closely with retail platform and alliance teams to devise strategies to increase and manage supply, providing inputs based on lending demand.
• Evaluate and provide inputs with respect to potential new demand centres and opportunities to maximise the lending book.
• Understand demand centres with respect to BTC, altcoins, stablecoins, and CBDCs.
• Write credit appraisal notes and obtain approval through committees for lending to different counterparties.
• Monitor each exposure based on different criteria at regular intervals.
• Coordinate on legal documentation to close loan documentation.
• Coordinate with different internal teams to process disbursements.
• Track different tokens and protocols for fundamental changes.

Minimum Qualifications

• Master's degree in Finance, CA, or MBA is preferred.
• 2 to 5 years of experience in business development across financial institutions, preferably on the wholesale or financial institutional product side.
• Demonstrated relationship management experience across institutions, preferably banks or NBFCs.
• Experience coordinating with different teams, including middle office and operations.
• Experience working on credit appraisal notes is an advantage.
• Basic understanding of various banking terms, including Asset Liability Management, pricing and ROE calculators for risk-adjusted returns, and Loan to Value.
• Clear understanding of the lending business and concepts such as yield and net interest margin.
• Understanding of financial products with respect to lending, asset management companies, and market-linked products and trading.
• Basic understanding of and interest in the cryptocurrency landscape.

Efficient client onboarding and departmental administration depend on the Assistant Relationship Manager, who monitors the account opening process, prepares business reports, organises meetings and materials, and handles inbound and outbound calls in support of the corporate banking team. Serving as a key administrative contact within the banking division, this role ensures smooth operations across travel arrangements, procurement, and ad-hoc project participation that enable Relationship Managers to focus on client-facing priorities.

Work Activities

• Monitor the entire account opening process in close collaboration with other divisions.
• Support the department by providing a full range of administration and operations services, including preparation of documents and business reports.
• Organise, schedule, and prepare materials for meetings and presentations.
• Support general administration, including travel and hotel arrangements, office supplies procurement, expenses reimbursement, and related duties.
• Handle inbound and outbound calls, conduct background searches, and participate in ad-hoc projects as assigned.

Qualifications & Experience

• Diploma, Higher Diploma, or Associate Degree or above in any discipline.
• Minimum 3 years of working experience, preferably in the banking industry.
• Basic knowledge of Commercial or Corporate Banking, account opening, and KYC is an advantage.
• Good command of both written and spoken English and Chinese, including Putonghua.
• Proficient in PC applications, including Microsoft Word and Excel.
• Mature, responsible, and self-motivated.
• Good communication and customer service skills.

As the Assistant Relationship Manager, this role leads the expansion of the private banking client base and achievement of business targets through investment advisory services, portfolio management, and cross-selling of investment, FX, and securities products to private banking customers. The private banking team relies on this work to grow revenue, maintain cordial client relationships, and support Relationship Managers in the daily management of customer relationships and trading order execution.

Leadership Responsibilities

• Establish new business contacts and expand the business portfolio of private banking clients.
• Lead the Relationship Manager team and achieve business targets assigned by management.
• Provide investment advisory services to private banking clients and sell banking solutions to private banking customers.
• Manage customers' portfolios by providing advisory services and performing trading order execution for clients.
• Sell and cross-sell investment, FX, and securities products.
• Maintain cordial relationships with existing and potential clients.
• Assist Relationship Managers in the daily maintenance of customer relationships.

Required Qualifications

• University degree in Business Administration, Finance, Economics, or a relevant discipline.
• Holder of professional qualifications such as ECF-RWM, CPWP, CFMP, FRM, CPA, or CB is an advantage.
• Minimum 5 years of private banking or wealth management experience.
• PRC experience is an advantage.
• Good written and spoken English and Chinese, including Putonghua.
• Good communication and interpersonal skills.

Assistant Relationship Manager coordinates integrated banking services across capital markets, derivatives, trade finance, and cash management products, serving as the primary client contact and partnering with senior banking officers and product specialists to address complex financial needs. The work directly supports revenue growth and credit quality across a portfolio of accounts by identifying client financing requirements, cross-selling the full suite of banking products, and analysing sophisticated financial and regulatory data to inform strategic business plans.

Strategic Responsibilities

• Serve as the point of contact for clients and partner with senior banking officers, product specialists, and sales to develop integrated banking services.
• Identify customer needs and recommend solutions to address these needs, including financing, cash management operations, and foreign currency solutions.
• Cross-sell banking products, including cash management, trade finance, trade services, custody, structured trade products, derivatives, fixed income, loans, and capital market products.
• Expand a portfolio of accounts with varying and complex financial needs with the objective of revenue growth and good credit quality.
• Organise and analyse sophisticated regulations and financial data used in credit reviews, economic and market trend analysis, and strategic business plans.

Experience & Qualifications

• Bachelor's degree or MBA or Master's degree in Business is preferred.
• At least 3 to 5 years of relevant experience.
• Experience with financial institution clients, capital markets products, derivatives, credit, cash management, trade, finance, and securities products is preferred.
• Strong analytical skills with a proven credit and research background.
• Demonstrated planning, negotiation, and organisational skills.
• Clear and concise written and verbal communication skills in English.