Job Summary

Key Responsibilities

• Achieve the sales targets set by the Team Leader.
• Solicit new SME customers in line with the bank’s sales policy, strategy, and targets.
• Visit existing SME Banking Customers to deepen relationships and identify new business opportunities.
• Ensure strict adherence to Account Opening procedures as per policies and guidelines.
• Conduct thorough Credit Risk Assessments for SME Trade and Working Capital Clients.
• Prepare comprehensive Business Credit Applications for SME clients.
• Manage the SME credit portfolio efficiently, ensuring zero expired facilities.
• Promote the highest level of customer service and responsiveness to SME Banking Customers.
• Assess the needs and problems of existing SME customers, providing intelligent solutions to their queries and concerns.
• Monitor SME customer fund movements, identifying and addressing cases where customers fall below criteria levels.
• Follow sales management and credit processes regularly, submitting required reports to management in a timely manner.
• Maintain close coordination with Client Management and Operations staff to provide prompt and excellent service to SME customers.
• Ensure adherence to know-your-customer (KYC) requirements, supported by proper documentation.
• Monitor and respond to AML reports daily, weekly, and monthly, highlighting any suspicious activities.
• Ensure timely closure of Suspicious Transaction Reports (STRs) and compliance with AML guidelines to prevent issues in audits.
• Properly and timely dispose of exceptions from MLP reports.
• Ensure the branch premises maintain the highest standards of hygiene, cleanliness, and comfort.

Skills and Experience

• Corporate/ Commercial Banking with strong knowledge Trade and Working Capital products.
• Strong understanding of credit risk assessment and business credit application processes for SMEs.
• Excellent customer service and relationship management skills, specifically with SME clients.
• Ability to monitor and manage SME customer fund movements effectively.
• Proficiency in compliance and AML guidelines.
• Strong coordination and communication skills with internal teams.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.