Job Summary

• The Assistant Relationship Manager provides direct support to the GAM on an aligned client portfolio to drive revenue growth outcomes, strengthen profitable client relationship and ensure strong client delivery execution.
• The Assistant Relationship Manager is accountable for supporting the GAM on client revenue related activities, sales discipline requirements, deal execution, account management and coordination across Sales and Product teams.

Key Responsibilities

Purpose

• Proactively support the GAM on origination related activities and client relationship building
• Establish deep understanding of the clients’ needs, buying centers, account structure, cash flow, lending and product usage
• Develop strong relationship with the most senior executive and the operating level in the assigned client portfolio.
• Deepen client relationship through regular engagement and sharing of insights about the market conditions / trends in the network that we operate in
• Maintain a strong working relationship with Risk, Legal and Compliance and other key stakeholders

Strategy

Proactively support the GAM in:

• Implementing the client strategy as identified through the Account Plan.
• Driving RWA efficiency initiatives
• Ensuring AML, CDD and credit risk requirements are met.

Business

Provide direct support to the GAM by:

• Conducting client profitability reviews, pricing analysis to identify flow business opportunities, increase limit utilization/allocation
• Proactively providing input on RFPS, RFIs, GCAF and RCAF submissions and Account Plans 
• Preparing client presentations, pitch books, and client research insights in collaboration with Product teams
• Preparing client briefing notes for senior management discussions
• Helping in the pipeline management, deal execution and quality call report submissions
• Coordinating with FAMs and Product Partners to drive client team delivery

Processes

Account Management and Portfolio Quality

• Oversight of onboarding and decisioning on client exits 
• Timely annotation of excesses and past dues 
• Review and follow up on Unsettled (FX) Past Due Trades reports & Failed trades reports with Operations
• Release of trade offerings
• Support loan drawdown
• Manage client contact validation for senior client contacts and client regulatory contacts 
• Ensure active engagement and collaboration with Clients, RMs and Product Partners to understand and respond to issues relating unusual utilization patterns.
• Attend EAR/ASTAR Review meetings as appropriate and participate in relevant business meetings, forums or committees as required.
• 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.  
• Establish close partnership with Client Service Managers, Credit Analysts, Operations and Functional Support teams to ensure client expectations are met or exceed and any client issues / complaints are effectively and timely resolved

Credit Documentation 

• Engage with Legal & Compliance, Credit IMO and Clients on standard documentation processes (e.g., standard terms, country supplements, banking facility letter, master credit terms, supplementary letters etc)
• Obtain necessary approvals for T&C deviations on standard docs from the relevant authoriser as necessary
• Proactively follow through to ensure document completion and limits are correctly captured in the TP systems
• Ensure document deficiencies are minimised (as reflected in DDW etc) and are rectified in a timely manner
• Manage the end-to end documentation negotiation process including passporting of documents in the network subject to all approvals being in place as negotiated with Legal/Product and Business.
• Support Network Delivery through documentation facilitation (passporting)

Risk Management

• Support the RM in reviewing client account activity reviews, ensuring transactional activities are aligned to the expected levels of activity for the client given their business profile
• Ensure deeper understanding on credit risk including default risk and fraud risk
• Ensure data quality of all AML and Credit documents/files meets CCIB standards to facilitate RM's decisions on risk acceptance
• Proactively identify gaps in the process that could present an operational risk and share process improvement ideas. Proactively lead key projects aimed at improving processes, tools and the client experience.
• Ensure adherence to all internal/regulatory policies & regulations e.g. Policies and procedures in RiskPod (FATCA, Credit, BCA overdue, etc)
• Support audit related exercises

Skills and Experience

• Manage Conduct
• Risk Management and Internal Controls 
• Business - Strategy and Business Model 
• Business - Market Knowledge 
• Business - Products and Processes
• Business - Business Partnering
• Business - Process Management
• Risk Management - C&I Credit Risk
• Sales - Relationship Management
• Information Systems - Applications & PC Skills
   

Qualifications

• Bachelor’s degree in Banking or Finance preferred
• Ideally 5+ years' experience in banking or another relevant environment
• Correspondent banking learning's; ICA or ACAMS certification to be obtained
• Languages: English and Mandarin skills are required

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.