Job Summary

•    RM would be responsible for Origination of network business from China. RM would work closely as a team with Credit Analyst (CA), Assistant Relationship Manager (ARM) and Customer Service Manager (CSG) in on boarding clients, deepening relationships and driving revenue growth. 
•    The RM is overall responsible for post deal account maintenance and managing the risk associated with the portfolio. He/She has an overview on Assistant Relationship Manager who holds direct responsibility for post transactional activities and the Credit Analyst for credit related activities.
•    The RM will also share best practice with the wider China network team across West  Africa and takes on extra responsibility to drive network initiatives across the region.

Strategy

•    Fully understand the CIB business strategy and expectations and ensure client account maintenance activities are managed in accordance with the Bank and IC strategic focus.

Origination 

•    Ensure quality of client acquisition, identify prospect and convert in line with Bank’s appetite and Commercial Banking’s strategy
•    Leverage on SCB’s unique network and full franchise across Africa and China to capture more Chinese investors into Africa and facilitate the expansion of these investments across Africa 
•    Ensure quality of the sales pitch and lead them with the clients
•    Work with Credit Analyst and obtain all pre-deal clearances.
•    Manage a healthy pipeline and also a record of client calls and discussions
•    Oversee ARM to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
•    Senior client calling and briefing on a regular basis for account maintenance and deal negotiation. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues.  

Client on-boarding & deal execution

•    Work with Customer Due Diligence team to ensure proper completion of due diligence requirements.
•    Work closely with CA, product partners,  and analyze a) wallet size b) determine appropriateness of the product and c) work out a comprehensive account plan from a one-bank perspective
•    Successfully negotiate and close out pricing and other deal dynamics with client 
•    Oversee the quality & turnaround of credit proposal and ensure faster delivery. Work with CA for resolving Credit queries.
•    Oversee the ARM to ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
•    Liaising with Legal/external counsel in preparation and execution of non standard complex transactions along with product partners. 

Account Management & Portfolio Quality

•    Work close with product team in delivering cash management solutions and migrating clients to digital channels 
•    Oversee the service quality and turnaround of service requests from clients and ensure faster delivery 
•    Along with the product partner, push for line utilization of complex and structured transactions. Oversee the ARM in ensuring high utilization of regular facilities.
•    Work with the CA and ARM to ensure discipline and quality in portfolio against timeline
•    Ensure general portfolio hygiene of client data from a quality control perspective i.e. correct client tagging, limit information, segment classification etc in SCI, Workbench.  
•    Annotate on past dues and excesses daily in the portfolio.  Ensure excesses/past dues are regularized on time and cash/cheques are released on time. Any exceptions to be highlighted to CA and GAM/FAM and Process & Governance team

•    Facilitate in obtaining waivers for past due monitoring
•    Review and follow up on Unsettled (FX) Past Due Trades reports & Failed trades reports with Operations
•    Support Loan Drawdown, Cash Management, Trade Offerings & Audit Confirmations
•    Manage any client related data queries and remediation efforts, including first level escalations on account maintenance activities 
•    Seek approvals for release of trade offerings and other transactional approvals as may be necessary.
•    Seek transactional approvals as necessary (i.e. trade, cash) and release trade offerings on time to ensure faster TAT on trade transactions.
•    Attend EAR/ASTAR Review meetings as appropriate and participate in relevant business meetings, forums or committees as required.
•    Provide support on other projects as assigned i.e. CIB Client Surveys, other business initiatives
•    Support Network Delivery through documentation facilitation (passporting)
•    Arrange for stock inspections/valuations as required

Processes

•    Ensure adherence to all internal/regulatory policies & regulations
•    Co-ordinate with Ops/GSSC to rectify any ops related issues which can be resolved locally and issue Standard Instruction Form (SIFs) wherever required within authority
•    Preparation of daily client FX request for submission to Global market within the specified timelines
•    Ensure daily review of the reports of transactions pending with Trade and Cash to improve TAT

People & Talent

Team & Collaboration Skills

•    Exceptional collaboration skills and ability to work effectively in a team

Personal Effectiveness

•    Excellent communication skills – verbal and written with ability to engage effectively with stakeholders at all levels (internal and external)
•    Strong ability to problem solves
•    Demonstrated ability to work under pressure, operate with a sense of urgency and deliver to tight deadlines
•    Well organised with strong ability to prioritise appropriately

Risk Management

•    Be proactive in ensuring compliance with Bank policies and procedures and lead preparation of client files for audit purposes

Governance

•    Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas
•    Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
•    Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

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.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

Internal:

•    Senior Banker/Banker for designated portfolio 
•    Credit Analyst for designated portfolio
•    Product partners for designated portfolio
•    Key functional partners i.e. CM, Credit, CRC, LDU, MDU, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Marketing
•    CM Team Lead
•    Segment Leadership team

External:

•    Clients
•    Legal firms, Audit
•    Market Data Services providers

Other Responsibilities

•    Embed Here for good and Group’s brand and values in Cote D’Ivoire/GS / team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats).

Skills and Experience

•    Business - Market Knowledge (SIF)/FRENCH
•    Business - Products and Processes
•    Business - Business Partnering
•    Business - Process Management
•    Risk Management - C&I Credit Risk
•    Sales - Relationship Management 

Qualifications

•    Education     Bachelor’s degree in Banking or Finance preferred.  
•    Training     Ideally 5+ years’ experience in banking or another relevant environment
•    Licenses     Not mandatory but added advantage
•    Membership     Not mandatory but added advantage
•    Certifications     Credit Risk & AML certified as stipulated by Bank policy for Client Manager role
•    Languages     Chinese at professional level is mandatory and English at intermediary level in line country and SCB requirements. French at any level is strong advantage.

Others     

•    Experience in team management preferred
•    Strong analytic and marketing skills, the ability to interpret complex financial information.
•    A good understanding of the general, economic, political and business environment of the region

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.