Relationship Manager-Retail Banking

About China Construction Bank

Global Powerhouse. Local Expertise.

China Construction Bank Corporation (CCB) is one of China's "Big Four" banks and ranks among the largest and most influential financial institutions in the world. Serving hundreds of millions of personal and corporate customers globally, CCB boasts a profound international footprint across multiple countries and regions. Our diverse ecosystem extends beyond traditional banking into investment banking, fund management, financial leasing, and wealth management.

About CCB New Zealand

Established in 2014, CCB operates a robust dual-entity structure in the local market through a wholly-owned subsidiary (CCB NZ Limited)—governed by a dedicated local board—and a local branch (CCB NZ Branch).

We are dedicated to bridging the New Zealand and Chinese markets, empowering enterprises with integrated, top-tier financial solutions. Operating across both wholesale and retail banking, our comprehensive suite of services encompasses corporate and commercial lending, Infrastructure & Specialised Finance, trade finance and foreign exchange (FX), sophisticated treasury facilities, and seamless cross-border transaction services.

About the Role

The Relationship Manager is responsible for acquiring, managing, and growing customer relationships across the Bank’s Retail Banking offering. Focusing primarily on residential lending and relationship management, you will also support broader customer banking needs, including deposits and transactional banking. In this role, you will contribute directly to portfolio growth and customer engagement while maintaining strong credit discipline and risk awareness.

Key Responsibilities:

Customer Acquisition & Business Development

Proactively originate new business through broker, referral, and direct channels.

Build and maintain strong relationships with brokers and key introducers.

Identify opportunities aligned with the Bank’s strategy and risk appetite.

Relationship Management & Customer Ownership

Act as the primary relationship owner for an assigned portfolio.

Develop a deep understanding of customer needs to provide appropriate banking solutions.

Maintain ongoing engagement to foster long-term customer relationships.

Lending & Core Product Delivery

Manage end-to-end residential lending activities, including assessment, structuring, and execution.

Deliver lending solutions in line with customer needs, internal policy, and regulatory requirements.

Broader Banking Support

Support customers’ wider banking needs, including deposits and transactional products, where appropriate.

Encourage customer onboarding and the usage of digital banking services.

Portfolio Management & Retention

Manage and maintain a high-quality portfolio with a strong focus on customer retention, refinance prevention, and ongoing engagement.

Credit & Risk Management

Ensure all lending complies with CCCFA, AML/KYC, and internal policies.

Monitor portfolio performance to identify early risk indicators and collaborate with internal stakeholders to address risk-related matters.

Pipeline & Performance Management

Maintain an active pipeline to support consistent deal flow.

Deliver against agreed performance metrics, primarily focusing on lending and customer growth.

Collaboration

Work closely with Credit, Operations, and Risk teams to ensure efficient and compliant deal execution.

Job Requirements:

A positive, enthusiastic attitude paired with strong people and communication skills;

3+ years of professional experience as a mortgage lender or broker;

Strong negotiation skills and an innovative approach to sourcing business opportunities;

Flexibility, adaptability, and enthusiasm for working in a fast-paced, evolving environment;

New Zealand Certificate in Financial Services (Level 5) (Preferred);

Sound knowledge of compliance legislation and KYC standards;

An established referral network;

Knowledge of the broader real estate industry;

* Confidence in networking with a natural talent for sales.

Join us and accelerate your career with a world-class financial institution that connects local opportunities with global scale.