Graduate Trainee Program

Corporate Banking I targets mid to large corporations in the Mainland China market, including state-owned and private-owned enterprises, red chips and H-shares. The Division provides tailor-made banking solutions and financial services to customers, products range from saving, loan, foreign exchange, cross-border business, trade finance, e-banking, cash management and bonds.

Corporate Banking II targets local and overseas corporate customers, including Hong Kong blue chips, property developers and multinational corporations. The Division provides tailor-made and value-added financial banking services to target customers by offering a wide range of conventional wholesale products and services including bilateral and syndication loans, trade financing and cash management.

Commercial Banking targets local mid-caps, medium-to-large corporates, and both listed and private companies. Our target customers are engaged in various industries including retail, import/export, manufacturing, trading, commercial property investment and development, etc. Business focus is on lending, deposit, treasury and corporate wealth management. Our lending business generally includes commercial loans, syndication loans, project finance, property development loans, trade finance, commercial mortgage financing and government guarantee loans, etc.

Institutional Banking provides a wide-range of conventional wholesales products to global institutional customers to meet their business needs and strategic plans. Products include but not limited to trade finance, bonds, syndication loans, foreign exchange, and cross-selling the Bank’s products to institutional banking clients such as banks, non-bank financial institutions, public sector.

Transaction Banking & Capital Market The product suite offers comprehensive and customised agency and fiduciary solutions to support the full spectrum of capital market transactions including debt issuance, securitisation, structured products issuance, loan syndication, M&A transactions, escrow and safekeeping services, liability management, and debt restructuring activities, as well as corporate trust and loan agency business including full coverage on Sales and Relationship Management, Transaction Management, Legal, Risk Management, KYC, Product Management, Client Services and Operations. Given the complexity of many capital market transaction structures, we work collaboratively with clients and other transaction parties throughout the deal lifecycle from deal structuring, transaction document negotiation, preparation through to execution, settlement, post-closing administration and monitoring.

Fintech develops and implements a cost-effective, standard-based IT infrastructure to meet the Bank’s business application and networking requirements in the present and the future. The Division implements IT governance processes to ensure that the IT security is effective and sufficient for safeguarding system and data access, and confidentiality of the Bank’s sensitive information, also implement the portfolio management office to oversee the project status, facilitate conference to top management and ensure the procedural compliance. The key functions include Data Center, Infrastructure & Ops Support, IT Governance and IT Risk Management.

Private Banking provides financial advisory service to its high net-worth customers through offering an array of customized financial products and services to meet customer needs. The Division covers the full private banking functions, including relationship management investment advisory services and platform management

Consumer Banking (Non-branch functions) offers our customers a full spectrum of financial products and services including conventional banking transactions, foreign exchange and cash services, as well as deposits, loans, investments, consolidated banking, insurance, RMB services and credit card through our branch network, small enterprise and personal loan centers, phone banking and electronic banking. To enhance productivity and provide better customer experiences, the Division also drives business projects for the application of Fintech. The Division encompasses other key functions, including wealth management advisory services and quality assurance that contribute to the success of the consumer banking business.

Credit Card & Consumer Finance is responsible for product & business development as well as pricing & portfolio management of credit card and all local personal loan products (e.g. local unsecured loans, insurance financing, mortgage and auto-loan etc.).The Division is also responsible for the management of strategic partnership, telemarketing sales & mortgage sales, credit processing, credit pre-approval, AML processing, customer fulfillment, merchant acquiring and customer service & compliant. To maximize the Bank’s strategic growth, the Division specializes in a full spectrum of duties & services, ranging from optimizing business profitability, customer experience to operational processes with the centralization of the consumer finance business.

Data Management and Marketing is responsible for bank-wide data and analytics management and application across functions, markets and products. Particular focus is put on the leveraging of internal and external data, structured and unstructured, to effectively identify business opportunities, add business value and optimize operation efficiency via robustly developing and utilizing different analytical/ business intelligence and reporting tools, as well as statistical/ machine learning models. The Division also strategizes and develops best-in-class cross-product, cross-channel and cross-platform customer-centric marketing programs and communications, and implements various above-the-line and below-the-line initiatives to enhance brand equity for the Bank and drive product/service acquisition, usage and customer stickiness via omni-channel customer targeting.

Treasury is the function with the key focus on funding and the liquidity of the Bank to maximize return by carefully aligning our risk management framework and complying with the regulatory requirements. The Division manages the Bank’s interest rates position, foreign exchange position and bond portfolio. It plays an important role in supporting the Bank’s services to CCB group’s major clients from different sectors, including government, corporate, institutional, commercial, retail and private banking. Our product specialists and sales deliver a wide range of foreign exchange rate, interest rate, commodities, derivatives and securities products trading services. The key functions of the Division are asset-liability management (ALM) and liquidity management, business management and research, internal control management, debt securities investment & trading, money market & trading, FX & derivatives trading, treasury product management and treasury marketing.

e-Banking is responsible for formulating digital strategies, implementing online initiatives and applying cutting-edged Fintech to build the innovative image of the Bank. Following up-to-dated market trends, the division provides various convenient digital channels including internet banking, mobile banking, online payment and ATM services, and delivers the best-in-class digital experience and journey to our customers. The key function of the division includes mobile channel development, online channel development, web and ATM development, product channel development, business management and risk control, and corporate e-channel.

Operations is responsible for CCBA enterprise wide business operation and centralized processing, including but not limited to account operations, deposit & loan processing, debit card and cross-border transactions, payment services and cash management, international settlement and trade finance services, treasury settlement, securities/insurance and mutual fund settlement, e-channel support, corresponding banking and transaction banking supports, compliance monitoring and parameters maintenance. Operations, together with the headquarter service center, serves as a backbone that supports CCBA to provide a series of sophisticated solutions to retail & corporate customers, MNC, bank and other financial institutions in Hong Kong and mainland China.

Credit specializes in conducting credit analysis, credit assessment and making approval decisions about credit applications submitted by business units of corporate banking, institutional banking, commercial banking, consumer banking and private banking. The Division has the key functions of credit approval, credit guidelines and procedures, authorization and fraud investigation, and credit –related business management.

Risk Management is one of the Bank’s governance functions with the specialist area of monitoring all types of risk within the Bank, including market risk, operational risk, reputational risk, product risk, interest rate risk and liquidity risk. The Division has the key functions of the Bank’s credit policy, operational risk management, market risk management, business management, special assets management, risk operations and credit services.

Human Resources develops and implements the overall strategies of attracting, developing and retaining talent of the Bank. Through strategic partnership, the Division provides HR solutions and services on manpower planning, rewards & benefits, learning and development and talent management to all lines of business to support their business growth. The key function of the Division includes manpower and human resources advisory, human resources operations and quality assurance, policy and rewards, learning and development.

Finance provides advisory and insights on finance and accounting related matters including but not limited to financial planning and analysis, assets and liabilities management, management information, financial and regulatory reporting, tax, payment services, procurements, etc., with a view to identify opportunities to maximize the Bank’s business performance and profitability while complying with regulatory requirements and internal control guidelines. The Division has the key functions of financial controls, asset and liability management, management information, financial planning, payment shared service centre and procurements.

Internal Audit conducts regular reviews on the internal operations and controls of various business and non-business functions in order to ensure appropriately designed control practices are in place and implemented effectively. The Division has the key functions of business audit, IT audit, treasury and finance audit.

Corporate Administration encompasses key teams including Property and Facility Management, General Affairs, Business Administration, General Administration and Security Services.

Under the Bank’s corporate governance structure, the key functions of Legal and Compliance Division are to ensure that the Bank is in compliance with relevant laws, and regulatory requirements, including but not limited to the areas of anti-money laundering and counter terrorist financing. Specific functions under the Division include Banking Compliance, Investment & Insurance Compliance, Compliance Assurance, Internal Control and General Management, Financial Crime Compliance, KYC Support and Legal Services.

Product Innovation Management drives the digitalization of the Bank and focus on the business development of Greater Bay Area. It is an elemental function to promote product innovation and process enhancement in order to inject inspiration and insight for business advancement. With a steadfast commitment to drive innovation across the Bank, we establish state-of-the-art collaboration platforms and mechanisms of initiation and exploration transforming a multitude of products and services and act as a hub to introduce emerging technologies for enlightenment and empowerment.

Executive Office is mainly responsible for enhancing the research capabilities of the Bank with a focus on bank development and strategies, and assisting the Board of Directors (BOD) and the senior management in coordinating and supervising the implementation of the Bank’s business and development plans. The division is also in charge of the Bank’s public relations management, brand management, corporate culture construction and the like. The division has five teams in total, performing key functions of strategic planning, bank research, general business administration, provision of support to the Board of Directors of both CCBA and the Group, and construction of corporate culture.