Associate Director, RM, SME Banking

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Associate Director, RM, SME Banking

senior · Retail & Commercial Banking

Job Summary

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good. We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

Key Responsibilities

Purpose

• To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters.
• Contribute towards achieving team’s overall target and delivering optimal portfolio return.
• Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, as well as colleagues in CDD teams and partners in Risk, Compliance, other support functions, and Product.

Business*

• Achieve individual financial and non-financial targets while contributing towards the team’s overall deliverables.

• Effectively generating new business – identify prospects and convert in line with the Bank’s appetite
• Strategically formulating account plan – provide clients’ needs-based solutions, structure appropriate credit facility, and execute various banking transactions
• Proactively building trusted client relationships – maintain a portfolio of active and growing customers

• Market and sell broad range of products including Trade Services, Lending, Cash Management and Wealth.
• Prepare credit proposal and loan application of customers; prepare annual review on timely basis.
• Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy.
• Implement agreed business plan to achieve sales/ revenue targets.
• Generate creative ideas on customer acquisition and products/ services.
• Regularly feedback to Team Manager and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes.
• Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct.

Processes*

• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
• Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis - incorporating infrastructure requirements and ensuring that they are fit-for-growth.
• Conduct regular and timely customer due diligence (CDD) reviews.
• Ensure CDD profiles are error free for timely sign off.
• Follow and comply with AML CDD policies and procedures where applicable.
• Identify KYC issues, provide solution or escalate to Line Manager if necessary.
• Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures.
• Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures.

Key Responsiblities

People & Talent*

• Embed Here for good and the Group’s brand and values.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Work effectively across SCB, using values behaviours to drive overall business growth.

Risk Management*

• Abide by appropriate frameworks to guarantee that business is carried out within the Group's risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
• Abide by the Group's values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes, and regulations among employees.
• Ensure that Risk Management matters that are brought to the job holder's attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
• Do what is right to avoid reputational risks and operational losses.

Key Responsibilities

Governance*

• Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation
• Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable):
  • Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
  • Client Due Diligence & Related Periodic Reviews
  • Client Suitability Standards
  • Treating Customers Fairly
  • Approval & review of Credit Applications
  • Maintain Documentary standards
  • Data Confidentiality
  • Cross-Border Policy
  • Sanctions
  • Environmental and Social Risk Management (ESRM)
  • Anti-Bribery and Corruption (ABC)

Regulatory & Business Conduct*

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead the Business to achieve the outcomes set out in the Bank's Conduct Principles. Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders*

• Internal: Colleagues in SME and CDD teams, Product, Risk, Compliance, Affluent and Private Banking and other support Functions and Businesses.
• External: Key clients.

Other Responsibilities*

• Embed Here for good and the Group's brand and values.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Work effectively across SCB, using values behaviours to drive overall business growth.

Skills and Experience

Qualifications

• University Graduate.
• Minimum 5 years of relevant experience in serving commercial/corporate clients and track record in new to bank client acquisition.
• Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations.
• Sound product knowledge on Trade, Cash Management, FX and wealth solutions with experience in cross-selling these products and solutions.
• Sound product knowledge on Trade, Cash Management, Lending, FX and wealth with strong understanding of local industries, supply/value chains and market environment.
• Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking.
• Firm in all business guidelines and compliance issues.
• Outstanding communication and presentation skills.
• Self-motivated and Team player

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

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