• Review and analyse new loan/investment application with top down approach, study market/industry development (including government policies, local and oversea market competition) with reference to third parties research report;

• Perform due diligence, identify the strength and weakness of the company through studying its business model, conduct site visit and meeting with client's senior management/local bank to understand company's competitive edge and local market;

• Review financial model (including Balance Sheet / Income Statement / Cash Flow Statement) to assess the clients profitability, cash flow position and repayment capability;

• Provide feedback on deal structure, legal documentation and propose risk mitigation measures (including financial covenants, information covenants, conditions subsequent, collateral coverage and milestones);

• Maintain a close communication with internal parties (including legal, finance, operation) to assist in loan disbursement and provide feedback to improve the process