Job Responsibilities
1. Daily Operations — Property Mortgage
Oversee the end-to-end mortgage cycle: application support, drawdown, repayment, renewal, settlement, and release of security.
Ensure files are complete and accurate (loan agreements, Legal Charge / mortgage documents, title deeds, company-borrower packs, guarantees, and related papers).
Coordinate internal teams (credit, finance, legal/admin) and external parties (solicitors, valuers, Land Registry, etc.) to meet operational SLAs.
Monitor ongoing cases, including updating valuations to determine Loan-to-Value (LTV) ratios and taking appropriate follow-up actions.
2. New Product Readiness — Construction Loans
Help design and implement SOPs, checklists, and document packs for construction-loan operations.
Support drawdown-by-stage / progress-payment workflows, quantity-surveyor / inspection coordination, and related controls (to be built out as the product launches).
Work with management, credit, and legal on operational setup before and after launch.
3. Compliance and Risk Control
Ensure operations comply with the Money Lenders Ordinance, licence conditions, AMLO, KYC / CDD / EDD requirements, and internal policies.
Review and update SOPs, checklists, and internal guidelines as products expand.
Support regulatory enquiries, internal reviews, and audit preparation.
4. Post-Loan and Collections Operations
Monitor portfolio performance (overdue accounts, repayment rates, restructuring cases).
Coordinate collections, solicitor correspondence, legal action, and related administration.
Handle collection activities, which may include making visits to debtors when required.
Prepare operational and arrears reports for management, with recommendations for improvement.
5. Team and Process Improvement
Lead and coach operations/admin staff; assign work, set KPIs, and review performance.
Improve workflows, filing, and system use to reduce errors and turnaround time.
Handle operational issues and other duties assigned by management.
Requirements
Diploma or degree in finance, business, law, or a related discipline preferred.
At least 5 years’ experience in loan operations, loan documentation, or credit administration with a licensed money lender, finance company, or bank; 2+ years in a supervisory/managerial role preferred.
Solid knowledge of the Money Lenders Ordinance, loan documentation, property-secured / Legal Charge/mortgage processes, and corporate-borrower due diligence.
Familiarity with KYC, AML, and basic collections/legal follow-up workflows.
Experience with construction loans, project finance, or staged-drawdown lending is an advantage (training will be provided if you have a strong mortgage-ops background).
Detail-oriented, able to work under pressure and manage multiple cases to tight deadlines.
Strong spoken and written English and Chinese (Cantonese); Mandarin an advantage.
Proficient in MS Office (especially Excel); loan management system experience preferred.
Eligible to work in Hong Kong.
Benefits
Competitive salary package
Various caring leave types
Great learning and career development platform
Excellent working environment