The Principal Officer roles of Eurasia Trust A.G (Labuan) is providing guidance and services such as Private Equity, Fund Services, International Custodian Services and Trust Services, Capital Markets Services etc.

Work closely with the main trust company - namely Pacific Trust to ensure that all guidelines and regulations as manage trust services are complied with the Labuan Trust Act 1996.

The role of the DCEO of APIB is to support the Chairman and Chief Executive Officer (CEO) in the overall direction, management, and administration of all aspects of the Investment Bank’s operations including its programme, products, and services as well as all aspects of the Bank’s fiduciary, financial and operating performance in support of the strategic objectives of the Bank.

Key Job Responsibilities
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1. Overall Organization Leadership
2. Business Planning and Resource Allocation
3. Financial and General Management.
4. Human Resources and Organizational Development
5. Risk and Compliance & Reporting

Overall Responsibilities

1. Plans, organizes, directs and controls the business, operations and administration of the Branch with discretion necessary to fulfill the Bank’s goals and policies, guidelines and instructions set by Head Office, Bank Negara Malaysia and the Association of Banks in Malaysia.
2. Responsible for the promotion and development of loans, deposits and other banking business of the branch and to ensure that the business targets are met.
3. Ensures good quality of loans portfolio.
4. Ensures that the anti-money laundering regulations are adhered to.
5. Dealing with State Owned Enterprise (SOE), particularly those company invest in Northern Region. i.e CCCC, CREC, CSCC, China Pharma Co ltd, Jinko Solar, JA Solar, TF-AMD (TongFu) etc.

i) Increase sales of CMB products and contribute to the growth and profitability of bank’s business - implementing business, sales and strategic plan to achieve liability, asset and non fund income growth from MME market through effective customer acquisition programs.
ii) Manage existing customer portfolio – conducting regular reviews of individual customer’s portfolio profitability, ensuring that customer data integrity is updated and accurate. By continuously improving service quality in terms of responsiveness and speed, minimizing complaints, increasing revenue with full utilization of approved facilities.
iii) To ensure quality lending and high standards of sales and service-Evaluating and recommending where appropriate credit proposal within the risk parameters, area lending guidelines and assigned lending limits.
iv) Contribute to the payment and cash management business and other delivery channels
v) Increase income from sales of CMB products and support growth of the bank – cross selling or referring other functional business lines/subsidiaries/business partners/sales alliance products and services
vi) To safe guard the bank from potential loss and contribute towards the Banks image.
vii) Maintain HSBC control standards, implement & observe Group Compliance Policy and maintain awareness of operational risk and minimize the likelihood of it occurring.

i)To hunt and acquire “New-to-Bank” SME /Commercial/ Retail and Consumer customers.
ii)Portfolio Management – Managed customer portfolio
iii)To perform credit and marketing activities including structuring of financing facilities
iv)To perform credit analysis, assessment and due diligence on retails / commercial customer
v)To integrate Bank services into customers’ strategic business development processes in order to proactively grow customer relationships.
vi)Periodical review of customers accounts and to introduce financial solutions to best suit their business needs.
vii)Review of customers accounts to identify business opportunities in order to grow mutually beneficial banking relationship
viii)Responsible for restructuring, recovery and management of the existing customer portfolio
ix)To actively cross-sale other lending and non-lending products and services to both existing and new-to-bank customers

ROLE – Retail/SME/Commercial – Financing Products
i)Plan, lead, manage and direct a team of staffs in delivering sales target and excellent service.
ii)Create a high performance culture through motivation, training, development of team members
iii)Develop marketing strategy and implementation throughout the process of identifies business opportunities in order to drive business growth and deliver revenue commitments.
iv)Plan and execute strategies for primary market to capture market share i.e developers, appoint sales agent for the projects.
v)Plan and prepare end-financing proposals, assist and support sale team to secured financing tight – up.
vi)Monitor progress/ performance of end-financing particularly approved end-financing scheme. Provide solution if penetration is below target.
vii)Manage and monitor respective branch’s customer portfolio of segmentation and marketing opportunities to enhance business portfolio.
viii)Designate project/arrange sales launch to sales staffs to ensure bank’s strong presence and coverage in targeted projects and geographical areas.
ix)Deepen relationships with key referrals sources i.e real estate agencies, solicitors, developers, existing customers etc. Respond efficiently to referrals’ needs.
x)Promote and professionally sell consumer, commercial banking financial services products to existing and potential customers.
xi)Discuss with prospective and existing customers to find out their business working capital requirement. Recommend/structure appropriate banking facilities to meet customer needs.