Key Responsibilities

Strategy
•    Primarily responsible for deal origination and working closely with the Credit analyst (CA) and Client Coverage Managers (CCM) in deepening relationships and driving revenue growth.
•    Responsible for account maintenance and managing risks associated with the portfolio to ensure that no unexpected events contribute to Audit Failures.

Business
Origination
•    Identify prospects and convert in line with Bank's stipulated strategy, policies and risk appetite.
•    Ensure quality of sales pitches and that products are pitched in line with client appropriateness. Ensure all Term sheets are reviewed prior to delivering to clients.
•    Work with CA to obtain all pre-deal clearances required.
•    Ensure pipeline management is up to date and reflects all opportunities being worked on. Ensure all client interactions are recorded and call reports filed with the relevant information.
•    Work with CMT to ensure seamless onboarding of clients. 
•    Ensure senior client calling and updates on a regular basis. Ensure all stakeholders are engaged as appropriate for client relationship management.

Processes
Client Onboarding & Deal Execution
•    Work closely with CA, product partners, GAM/FAM teams to analyse client wallet size, appropriateness of products and complete comprehensive account plans.
•    Ensure appropriate negotiations and closure of pricing and other deal dynamics.
•    Work together with CA to ensure quality and turnaround of credit proposals to ensure timely delivery. Work with CA to resolve credit queries.
•    Work with CMT to ensure required documentation and security creation is completed in a timely manner. Timely liaising with Legal/ External counsel/ CRC for preparation and execution of nonstandard complex transactions along with product partners.

•    Ensure Client Due Diligence is completed in a timely and quality manner to ensure Bank is protected from associated risks.
•    Together with product partners, ensure line utilization is maximized for BAU limits. Ensure utilization is achieved for all complex and structured transaction solutions provided.
•    Review Failed Trade status, EAR, ASTAR etc together with the CA/CMT to ensure discipline and quality in portfolio.
•    Review the excess / past due situation with CCM to ensure they are regularized and facilitate approvals wherever required.
•    Review and monitor the client profitability to ensure there are no revenue leakages.

Risk Management
Risk Management & Governance
•    Take the Initiative regarding regulatory, reputational and ethical matters and provide proactive advice to clients on these issues.
•    Embed the Group's values and code of conduct and ensure adherence to the highest standards of ethics and compliance with relevant policies, processes and regulations, both personally and (where relevant) among team members.
•    Awareness and understanding of the regulatory framework in which country operates and the regulatory requirements and expectations relevant to the role.

Governance
AML/Compliance
•    Ensure all AML/Customer Due Diligence policies and procedures per group and the local regulator are adhered to in opening, reviewing, and monitoring accounts. Ensure zero tolerance method for this aspect, within the business as appropriate. Report any breaches or suspicious persons/relationships.
•    Ensure compliance with local controls and regulations, Group Code of Conduct, Money Laundering
•    Prevention Policies and Procedures / CDD guidelines in prevention of frauds, forgeries and losses
•    Ensure compliance with Group's Health and Safety Policies and Procedures

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
•    Relevant CCIB colleagues
•    CDD Team
•    Colleagues in Product, Risk, Compliance, HR and other Functions and Businesses
External
•    Corporate Clients
•    Relevant external parties (e.g. regulatory bodies, industry bodies)

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

Qualifications

•    Business or accounting related degree. 
•    Mba/aca/bsc/bba/cima preferred.
•    Minimum 7 years' experience in a corporate banking environment of which minimum 2 years should be of managing corporate client relationships.
•    Sound understanding of corporate treasury products, trade finance products, consumer banking products and international banking products.
•    Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
•    A good understanding of the general, economic, political and business environment of sri lanka.
•    Excellent communication (written and verbal) and negotiation skills.
•    High quality experience in a credit management position with proven ability to manage a team / work in a team.

Skills and Experience

•    Financial analysis skills
•    Ability to assess client creditworthiness and key risk considerations / mitigations
•    Leadership in demonstrating and promoting change
•    Market/Competitor Knowledge
•    Product knowledge on trade, cash, lending, and FX
•    Understanding of local industries, supply/value chains and market environment
•    Outstanding communication and presentation skills
•    Regulations, operational procedures, and banking practices

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.