Primary Duties:

• Regularly evaluate active loan portfolios to catch early signals of financial stress, such as delayed payments or declining business turnover.

• Conduct scheduled reviews of client financial records and covenant terms to ensure ongoing contractual compliance.

• Design and execute tailored restructuring arrangements for overdue accounts, which include renegotiating repayment schedules and extending loan durations.

• Reach out proactively to clients via phone, email, and mail to address past-due statuses and coordinate debt settlement options.

• Partner with Relationship Managers and borrowers to pinpoint the core drivers of default and build practical, loss-minimizing solutions.

• Review collection trends and propose operational refinements to boost recovery performance and efficiency.

• Keep precise, audit-compliant logs of all client dialogues, agreed payment timelines, and recovery milestones.

Professional Qualifications:

• University degree in Finance, Accounting, Business Administration, or an equivalent relevant field.

• 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.

• Proven ability to analyze complex data, draft structured reports, and exercise sound, independent credit judgment.

• Detail-oriented and self-driven team member with exceptional interpersonal skills and a rigorous approach to risk management.

• Fully bilingual in Putonghua, with a high level of written and verbal proficiency in both English and Chinese.