Job Summary

•    Interact with the client, gather deal requirements, financial statements, and other inputs for performing quality analysis and due diligence.
•    Ensure delivery of strong performance across financial and non-financial KPIs, in alignment with the country Wealth & Retail Banking (WRB) strategy in a safe and well-controlled manner.  
•    Establish, deepen and broaden relationship with Developers and Real Estate Agency. 
•    Collaborate with key stakeholders to ensure effective delivery of Mortgage performance and service standards.
•    Work with RM/Product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
•    Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. input during credit preparation, other special reporting requirements, etc.
•    To maintain good relationship with internal stakeholders for purpose of driving financial and non-financial KPI.
•    Identify potential credit risks and recommend appropriate loan structures and risk mitigation strategies. 
•    Responsible to actively refer clients to other stakeholders especially for wealth and other lending products. 
•    To ensure close monitoring and timely follow-up on drawdown cases including progressive claims.

Key Responsibilities

Strategy

•    Take ownership and accountability to drive the country strategies for Mortgage through effective management on relationship building with clients and stakeholders and adherence to rules and regulations and group policies and standards.

Business

•    Live and act by a culture of good Conduct committed to fair outcomes for clients and the bank’s reputation 

Processes

•    Drive and support continuous process improvement for better operational efficiency and effectiveness.
•    Ensure compliance with applicable internal policies and external laws and regulations and effectively manage operational risk across the business.
•    Responsible for managing the integrity of WRB client data.
•    Work closely with other stakeholders to support the delivery of WRB strategy in a safe and well controlled manner and on an end-to-end basis.
•    Adhere to the policies and control standards set by risk control owners and policy owners, ensuring the business is in compliance, and operating within risk tolerance and risk appetite.
•    Support and drive country strategies to achieve the Bank’s RoTE ambitions. 

People & Talent

•    Be a role model of the Group’s culture and values. 
•    Support an environment of collaboration within team and cross departments to ensure issues are raised and resolved in a timely manner.

Risk Management

•    Highlight weaknesses across the end-to-end for the business in Brunei, risk and control environment and drive rectification as required.
•    Ensure that systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Technology and Operations, Finance and Reputation

Governance

•    Maintain 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’ challenging 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

•    External –Clients, Law firms, Valuers, Insurance Company, Developer and Estate Agency
•    Internal – Retail Product and Digital, Client Onboarding Operation including CDD, Financial Crime Risk, Relationship Managers, Client Acquisition Team, Safe Custody Unit, Loan Disbursement Unit, Credit Initiation Unit and Credit and Policy Management.
•    Any other support functions where relevant

Other Responsibilities
•    Embed Here for good and Group’s brand and values in [Brunei / Business Banking]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); 

Skills and Experience

•    Sales
•    Presentation Skill
•    Negotiation Skill
•    Time management
•    Interpersonal Skill

Qualifications

•    Education: Degree in Business Administrator or equivalent will be an advantage
•    Languages: English and Malay

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.