Liangjing Cheng - Loan Manager

My job

Whether it's a hotel on the Maldives Islands, a shopping centre in Shanghai or a logistics centre in Amagasaki: in my job, I basically attend to financing commercial property projects in the Asia/Pacific region.

Will the financed object produce enough cash flow to cover the debt service? Does the local market still offer any potential or are there already too many competitive objects? Is the credit rating of the borrower satisfactory? Is the object lendable at all? What does our legal department have to say to the contract design?

In cooperation with the colleagues from the acquisition department and the legal department, I take care of these and many other questions in order to be able to offer an attractive and tailor-made financing solution to the customer, ideal for both the customer and the bank.

My favourite tasks

New deal - new country. Is the mortgage in the pertinent country enforceable in the same way as in Germany? The entry into new markets and the resulting legal questions always involve new challenges. Presently I am working on our first deal in India.

My professional career

Having graduated from my law studies at the University of Heidelberg and having completed the postgraduate judicial service traineeship at the district court in Essen and several internships in China, I started the one-year trainee programme at Aareal Bank in Wiesbaden in July 2006. As a lawyer, I had not dealt much with property financing before. The traineeship did not only give me the possibility to apply my Asian background but also to gain theoretical and practical knowledge about the property business. Furthermore it was possible to establish a well-functioning network throughout the bank due to the wide variety of seminars which were mostly held by internal experts.

My future

Working for a global property financer with worldwide more than 25 locations there will at some point certainly be an opportunity to go abroad. For the near future I am looking forward to new and exciting projects.

My advice for a career start

Start to establish a network as early as possible and be open for new things!

 

See also: Sotirios Kotinakis - Work as a Key Account Manager