Key Responsibilities

Strategy
Origination
•    Identify prospect and convert in line with Bank’s appetite. 
•    Ensure quality of the sales pitch and lead them with the clients. Also review the Term sheets before delivering to clients.
•    Engagement and Coordination of Product Partners for marketing efforts and deal structuring.
•    Work with CA and obtain all pre-deal clearances.
•    Effectively use RM Workbench for managing a healthy pipeline and also a record of client calls and discussions.
•    Drive client events / entertainments by coordinating with internal stakeholders and with client(s). 
•    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. Responsible for preparing briefing notes for senior management calls. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues.  
•    Internal coordination for cross / up selling.

Business
•    Identify prospect and convert in line with Bank’s appetite. 
•    Ensure quality of the sales pitch and lead them with the clients. Also review the Term sheets before delivering to clients.
•    Engagement and Coordination of Product Partners for marketing efforts and deal structuring.
•    Work with CA and obtain all pre-deal clearances.

•    Effectively use RM Workbench for managing a healthy pipeline and also a record of client calls and discussions.
•    Drive client events / entertainments by coordinating with internal stakeholders and with client(s). 
•    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. Responsible for preparing briefing notes for senior management calls. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues.  
•    Internal coordination for cross / up selling.

Processes
Client on-boarding & deal excecution
•    Work closely with CA, product partners, GAM / FAM and analyze: 
•    Wallet size;
•    Determine appropriateness of the product and deal structuring; and
•    Work out a comprehensive account plan.
•    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, reviewing & supporting BCAs.
•    Oversee the ARM to ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
•    Liaising with client / legal / external counsel / CDU / CRC in preparation and execution of non standard complex transactions along with product partners. 
•    Work with CDD team leader to ensure the proper completion of eCDDs.

Account Management & portfolio quality
•    Along with the product partner, push for line utilization of complex and structured transactions. Oversee the ARM in ensuring high utilization of regular working capital facilities.
•    Work with CA to monitor lending RWA and overall RoRWA at account level.
•    Review failed trade status, EAR, ASTAR, CCRT, etc with the CA to ensure discipline and quality in portfolio.
•    Review the excess/past due situation with ARM to ensure they are regularized and also facilitate approvals wherever required.
•    Review and monitor the client profitability to ensure there are no revenue leakages. 
•    Attend various internal or external sales / non sales meetings like EAR, MTM calls, Portfolio Review Meeting etc. and convene the consortium meetings where we are the lead bank. 
•    Overall responsible and accountable for the credit quality of the assigned / acquired portfolio.
•    Ensuring timely exit of clients, RoRWA monitoring and tail management.
•    Front internal and external auditing and oversee CA and ARM to follow up audit issues.
•    Overall responsible and accountable for Working Capital Loan and Fixed Asset Loan post drawdown monitoring.
•    Achieve individual sales targets on revenue, asset and liability footing while contributing towards team’s overall budget by:
•    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

Adhoc projects, duties, assignment
•    From time to time, due to exigencies of service, you may be required to take on additional duties, projects or assignments as determined by your supervisor.

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.

Skills and Experience

•    Excellent financial analysis skills
•    Sound product knowledge
•    Decent command of English as a language
•    Client origination capability

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.