Primary Duties:
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Regularly evaluate active loan portfolios to catch early signals of financial stress, such as delayed payments or declining business turnover.
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Conduct scheduled reviews of client financial records and covenant terms to ensure ongoing contractual compliance.
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Design and execute tailored restructuring arrangements for overdue accounts, which include renegotiating repayment schedules and extending loan durations.
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Reach out proactively to clients via phone, email, and mail to address past-due statuses and coordinate debt settlement options.
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Partner with Relationship Managers and borrowers to pinpoint the core drivers of default and build practical, loss-minimizing solutions.
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Review collection trends and propose operational refinements to boost recovery performance and efficiency.
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Keep precise, audit-compliant logs of all client dialogues, agreed payment timelines, and recovery milestones.
Professional Qualifications:
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University degree in Finance, Accounting, Business Administration, or an equivalent relevant field.
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At least 5 years of dedicated credit evaluation experience gained within established banking or financial institutions, with a strong background in commercial lending, debt recovery, or credit collections.
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Proven ability to analyze complex data, draft structured reports, and exercise sound, independent credit judgment.
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Detail-oriented and self-driven team member with exceptional interpersonal skills and a rigorous approach to risk management.
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Fully bilingual in Putonghua, with a high level of written and verbal proficiency in both English and Chinese.
