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.

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 is the principal division overseeing fintech at CCBA. Our Key functions include IT Development Center, IT Operations Center, Cybersecurity and IT Governance, IT Business Partnering, Project and Resource Management. We centralize the management of all IT-related inquiries and issues, providing IT platforms, network infrastructure, databases, and office automation equipment to fulfill daily operational requirements. In addition, we also offer services on technological innovation, architecture governance and cybersecurity to achieve and surpass business's objectives with excellence.
With our expertise, Fintech is dedicated to delivering high-quality, timely and cost-effective IT solutions and services to supports the evolving needs of business by ensuring the smooth operation of daily applications with stable production environment.

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.

Consumer Banking (Non-branch functions) offers our customers a full spectrum of financial products and services including conventional banking transactions-deposits and loans, foreign exchange and payment services, as well as investments, insurance, packaged banking and cross-border services. Through our extensive branch network, complemented by phone banking and digital banking, it strives to deliver unparalleled convenience and satisfaction to our valued customers.
The Division also drives business projects focused on leveraging fintech innovations to enhance the productivity and customer experience. It further encompasses other key functions, including wealth management advisory services and quality assurance that contribute to the success of the consumer banking business.

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 research , investment product management ,investment & insurance advisory services and platform management.

Data Management Division is responsible for bank-wide data and analytics management and application across functions. 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 / AI models. The Division also leads the bank’s data governance and implements various initiatives to enhance the bank’s data quality, data security, data standard and data sharing.

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 and auto-loan etc.).The Division is also responsible for the management of strategic partnership, telemarketing sales, credit processing, credit pre-approval, AML processing, customer fulfillment, merchant acquiring and customer service. 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.

Digital 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 mobile banking, internet banking, and delivers the best-in-class digital experience and journey to our customers.
Driving the digitalization of the bank, focusing on business development in the Greater Bay Area while promoting product innovation and process enhancement. This function serves as a hub for introducing emerging technologies and fostering collaboration, transforming a variety of products and services. It formulates digital strategies and implements online initiatives using cutting-edge fintech to build the bank's innovative image.

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 banking, institutional banking, commercial 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.

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, as well as Credit Execution, Credit Policies, Credit Risk Monitoring, Credit Portfolio Management and Credit System and Support 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, reputational risk, product risk, interest rate risk and liquidity risk. The Division has the key functions of stress testing, special assets management, risk analytics, credit risk quantitative modeling, market risk management, technology risk management and business management.

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.

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.

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.

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, Operational Risk and General Management, Financial Crime Compliance, KYC Support and Legal Services.

The Executive Office comprises the secondary-level Corporate Administration Department. The Executive Office is primarily responsible for enhancing the Bank's research capabilities, with a particular focus on bank development strategies. It also aids the Board of Directors (BOD) and senior management in coordinating and supervising the implementation of the Bank's business and development plans. Additionally, the Executive Office is responsible for overseeing the Bank's public relations management, brand management, corporate culture construction, and related tasks. In total, the Executive Office comprises four key teams that perform functions such as strategic planning, bank research, corporate business management, providing support to the BOD of both CCBA and the Group, as well as fostering corporate communication and culture.

The Corporate Administration Department, at the secondary level within the Executive Office, encompasses four teams: General Administration, Property and Facility Management, Security Services, and General Affairs.