Credit Research

　　To perform credit analysis on state-owned enterprises and public listed companies before extending credit or other banking facilities. Many foreign banking and financial institutions view this as a crucial function, given the high level of non-performing loans in the system and lack of corporate governance and transparency in China companies.

　　Relationship Banker

　　The most attractive and lucrative market segment is the mass affluence market with high propensity for multiple products usage. A subset of this is the “priority banking?segment, where the clientele include both local Chinese as well as foreigners working and living in China. This client group has more sophisticated investment and transactional needs such as managing their investment accounts, multi-currencies savings, foreign exchange transactions, investment property requiring mortgage financing and financial planning. The relationship manager’s responsibility is to identify the clients’needs, recommend suitable product suite and service platform to service them.

　　Investment Products Salesperson

　　This person is the product “expert?within the organization in servicing the needs of the “priority client?identified and brought in by relationship bankers. He or she has to be familiar with the various product features offered by the firm and communicate this information effectively to the clients, and assist them to identify solutions.