This seasoned professional role focuses strategically on North Asia investment corridors, including Mainland China, Hong Kong, and Taiwan. The incumbent applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and workflow. This role integrates subject matter and industry expertise within the North Asia financial landscape, requiring a deep understanding of regional business culture, market dynamics, and cross-border investment flows.
Responsibilities
Call on clients to deepen relationships and proactively own, respond to, uncover, and anticipate future needs, roadblocks, risks, and expectations, with particular sensitivity to relationship-centric engagement norms prevalent in Chinese business culture (e.g., the role of guanxi in building long-term trust)
Serve as the clients' primary contact point and be responsible for managing internal departments to address any customer service issues
Introduce solutions to clients in building and strengthening an effective portfolio, tailoring communication styles and engagement approaches to align with the preferences of Mainland Chinese, Hong Kong, and Taiwanese business counterparts
Maximize client experience by proactively sharing market updates, trends, and intelligence, with a particular emphasis on North Asia macroeconomic developments, regulatory changes, and cross-border investment corridor dynamics
Work with product specialists and subject matter experts to structure innovative and customized solutions that meet clients' individual needs, incorporating awareness of regional regulatory environments (e.g., HKMA, PBOC, FSC Taiwan)
Identify cross-sell opportunities to deepen and increase share of wallet across the North Asia investment corridor
Assist Senior Relationship Manager or Team Leader in the research and identification of prospective clients within the Greater China region
Network with clients to identify avenues for new business opportunities, leveraging cultural fluency and local market insight to build trust-based relationships
Drive innovation in the solutions provided to clients and further develop business where necessary and appropriate within the North Asia corridor context
Support Senior Relationship Managers in structuring deals that balance risk and reward, including cross-border transactions specific to the China–Hong Kong–Taiwan investment corridor
Prepare and oversee new transaction submissions and annual reviews for submission to in-business credit lending management and the independent risk department
Demonstrate ability to close deals and proficiently manage the credit origination process, gather and maintain credit documentation, and monitor accounts
Actively protect Citi's assets and reputation by acting as the first line of defense from a credit risk management perspective
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Work closely with the Case Manager on the onboarding and retention of clients, ensuring the appropriate "Know Your Client" (KYC) and other compliance deliverables are met, including requirements specific to clients domiciled in or transacting through Greater China jurisdictions
Ensure compliance with regulatory requirements and Citi's policies/guidelines at all times, with awareness of cross-border regulations relevant to China, Hong Kong, and Taiwan
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing, and reporting control issues with transparency
Demonstrate an understanding of Chinese business culture, including hierarchical decision-making structures, the significance of face (mianzi), indirect communication norms, and the importance of long-term relationship cultivation over transactional engagements
Apply knowledge of regional differences across Mainland China, Hong Kong, and Taiwan, including variations in business etiquette, legal frameworks, and investment preferences, to deliver a culturally nuanced client experience
Proactively share relevant geopolitical, regulatory, and macroeconomic intelligence pertinent to the North Asia investment corridor
Requirements
5–8 years of relevant banking or financial services experience, preferably with meaningful exposure to Greater China markets (Mainland China, Hong Kong, and/or Taiwan)
Sound knowledge of banking and investment products and processes, as well as a track record of providing sound banking and financial advice and solutions to clients operating within or across the North Asia corridor
Core credit skills
Intermediate level of Early Warning Detection skills
Ability to close deals and proficiently manage the credit origination process, gather and maintain credit documentation, and monitor accounts
Advanced understanding of accounting principles, financial modeling, and statement analysis
Intermediate to Advanced proficiency in Mandarin Chinese, including the ability to conduct client-facing meetings, negotiations, and presentations in Mandarin, as well as to review and comprehend standard business documents written in Simplified or Traditional Chinese
Excellent written and spoken English communication skills for internal reporting, documentation, and cross-border collaboration
Demonstrated understanding of Chinese business culture, including but not limited to: the concept of guanxi (relationship networks), mianzi (face/reputation management), hierarchical decision-making, gift-giving etiquette and its compliance boundaries, and the importance of patience and long-term relationship building
Familiarity with the business and regulatory environments of Mainland China, Hong Kong SAR, and Taiwan, including relevant trade, investment, and financial regulation frameworks
Bachelor's/University degree or equivalent experience, preferably in Finance, Business Administration, Economics, or a related field
Nice to have:
Proficiency in Cantonese, particularly for coverage of Hong Kong-based clients
Prior experience working with Chinese state-owned enterprises (SOEs), family-owned conglomerates, or high-net-worth clients of Chinese origin
Ability to work effectively in a team setting across culturally diverse environments
Excellent interpersonal, communication, and influencing skills, with demonstrated ability to adapt communication style to Chinese-speaking clients and stakeholders
A self-starter with a positive, can-do approach who embraces change and is bold
High level of energy, enthusiasm, and motivation
Highly focused, able to rapidly identify key priorities and clearly communicate them
Passion for creating new business opportunities with existing clients and ability to demonstrate innovative approaches to meeting clients' needs
A proactive approach to strengthening business relationships with clients; delivers a simple, secure, and seamless client experience
Ability to embrace new technology and understand the role digital plays in the experience delivered for clients
Able to quickly adapt priorities based on the latest data insights
Postgraduate qualifications (e.g., MBA, CFA, or equivalent)
Formal Mandarin language certification (e.g., HSK Level 4 or above, or equivalent recognized standard) is preferred but not mandatory where native or near-native proficiency can be demonstrated
