Wealth Management Client Financing Solutions Specialist

Position Highlights

• Directly serving HNW / UHNW client segments: Deeply engage with ultra-high-net-worth clients' bespoke financing needs and participate in innovative cross-border / cross-asset-class financing projects
• Lead structuring of complex credit transactions: Underwrite and execute loan and derivative structures, spanning investment real estate, luxury asset financing, commercial real estate and bridge loans
• A pivotal role at the intersection of Private Banking and Lending: Serve as the primary contact for credit portfolios and key / complex borrowing relationships, striking a professional balance between client acquisition and risk management

Position Summary

The Wealth Management Client Financing Solutions Specialist is a core professional role within ELE's Wealth Management Department. This role serves as the critical bridge connecting the credit needs of high-net-worth (HNW/UHNW) clients with ELE's lending product capabilities, bearing strategic responsibility for designing innovative, bespoke financing solutions and driving continuous revenue growth across the loan portfolio.

Within ELE's private-banking ecosystem, this role demands not only mastery over the full lifecycle of credit products, but also the ability to establish a dynamic equilibrium among client service objectives, new business development and risk management. The incumbent will directly participate in the structuring and underwriting execution of complex transactions, forging a tight collaborative network with private bankers, relationship managers, trust administrators and wealth advisors to jointly advance ELE's business penetration and cross-selling growth in the premium wealth-management credit space.

Key Responsibilities

1. Financing Solutions Design & Execution

• Design innovative, bespoke financing solutions for new funding needs or debt restructurings of HNW / wealth-management clients within acceptable credit / risk parameters
• Underwrite and execute loan and derivative structures (involving credit-risk exposure), ensuring efficient transaction execution within the compliance framework

2. Business Development & Revenue Growth

• Drive lending-business development and loan-portfolio revenue growth, leading credit-marketing efforts for the local-market team
• Proactively identify new business opportunities, expand credit pipelines through client referrals and actively participate in marketing initiatives to enlarge market share

3. Client Capital-Structure Optimization

• Gain deep understanding of existing and prospective clients' capital structures and provide professional financing advice and capital-optimization solutions
• Serve as the primary contact for credit portfolios and key / complex borrowing relationships, maintaining and deepening long-term credit partnerships with HNW clients

4. Risk Balance & Portfolio Management

• Achieve a dynamic balance among client-service objectives, new-business development and risk management, ensuring business growth does not come at the expense of asset quality
• Demonstrate strict credit / risk-management discipline, continuously monitor portfolio risk, dynamically adjust debt structures and risk ratings in response to risk changes, and proactively enhance portfolio quality and prevent potential losses

5. Cross-department Collaboration & Sales Alignment

• Work closely with private bankers / relationship managers to meet complex credit needs for client penetration and cross-selling
• Coordinate sales alignment with investors, trust administrators and wealth advisors, building a comprehensive financial-services network that covers the client's full lifecycle

Required Qualifications

1. Education & Foundational Experience

Bachelor's degree or above; extensive experience with bank loans, mortgages, credit and derivative products

2. Luxury Asset Financing Experience

Proven success in investment real estate loans, concentrated collateral loans, aircraft / yacht and other luxury asset financing, commercial real estate loans, bridge loans, etc.

3. Transaction Structuring Capability

Experience in structuring complex transactions, credit and derivatives transactions, with the ability to independently complete solution design and transaction architecture

4. Operations & Compliance Knowledge

Familiar with account-maintenance procedures, loan-closing procedures, credit administration and compliance procedures

5. Wealth-Management Acumen

Demonstrated understanding of wealth management, including but not limited to investing, trusts and financial planning

6. Analytics & Modelling Skills

High level of analytical skills, including financial analysis, cash-flow modelling and other quantitative capabilities

7. Risk Identification Capability

Ability to identify and analyse credit opportunities and the attendant credit risks, with independent risk-judgement capability

8. Legal Documentation Literacy

Familiarity and expertise with credit documentation and legal texts, including security structures, covenant terms and enforcement procedures

9. Professional Training Background

Completion of a formal credit training program preferred

Preferred Qualifications

1. Sales & Business Acumen

• Mature sales experience covering the full sales cycle, including client profiling, objection handling, commercial negotiation, team-selling approach, deal closing and client referrals
• Ability to translate complex credit products into client-comprehensible financing solutions, with a consultative-selling mindset

2. Language Proficiency

• Fluent written and spoken English: Capable of independently drafting English credit documentation, participating in cross-border client meetings and collaborating with international investment banks / legal counsel
• Mandarin and / or Cantonese: A definite plus for serving Greater-China HNW clients and deepening local client relationships