Draft Business Proposal/Annual Review
Business Execution
Annual ReviewInventory Review Stress TestingIndustry Limit
Post-Lending Record;Utilization record and forecast;Covenants Check;Risk Mitigants Check
Bring into next business stage
No Credit Application and Approval Process
Green Light from H.O for certain business
Exposure Non-Exposure
Group/Single Customer Limit Allocation/Adjust
Review Transaction Record Process Business Request
Green light to onboard customers
Risk Control
Obtain comments from Product Team and RMD if necessary
Documents of Plain Vanilla Business
Credit Business
RMD Approval
BOCS/LIMS
MM Deposit
H.O Approval
H.O/BOC Network
Identify Target Customer
Complete Credit Application Process Before Business Execution
No
Loan FacilitiesTrade FinanceFX & DerivativesDCMOthers
Customer without Credit Facilities
Target Customer
Documents Received from Customer
Work with PM Make Product Plan
Account Openning
Customer Onboarding
Customer Due Diligence
Business StrategyRisk AppetiteKPI/RAROC/EC
Group CustomerSingle Customer
On-going CDD
CBD Documents Checklist
Obtaining Customer Information
Credit Application & Approval
Refer to Internal Legal Team
Contract/Product Limit Management
Cold Calls
Credit Risk Assessment
Limit Information Feed into Products System
Non-credit business
Trade Finance
Finalized Business Proposal
Account Services/Cash Management
Documents of Special or Complicated Business
Refer to External Legal Councel
Documentation Process
Counterparty Setup in MUREX
Portfolio Management
Finalize Execution Versions
Operation Management
Existing Customer/Business
Peers in Markets
Existing Customer
Communication with Customer
Non-Credit Business
Understand Customer Needs
Yes
Post Lending Managment
Non Target Customer
Local Approval(IR: £66mNIR: £40m)
FX & Derivatives
Other parties in markets
Identify Customer
Customer Risk Classification
Customer with Credit Facilities
Management Information
MUREX/XPAD
Deal Completed
Credit Facility Needed
CDD Signed Off
Contribute to
Customer Review
Cash Management/E-Banking System Setup
Limit Set up in CCMS/GLMS
New Customer/Business
Industry Event
M.O Team Check
Negotiation with Customer
GTS
On-going Relationship Management
Continuous Review for High Risk Corporate
Business Monitoring
Business Promotion
Customer Resource
GFM Quotation
Ongoing Business Management
Trigger Event Review
Obtain Legal Comments
Customer Typedefine checklist type
Facility Monitoring
Follow up with CDD Team
Loan facility
MM DepositBasic Account ServicesCash ManagementAdvisoryOthers
