Job Summary

•    Assist ME sales team in achieving agreed sales volume and profit objectives by acquiring, growing and retaining profitable SME Banking customers within acceptable risk parameters.
•    Be primarily responsible for client coverage and work closely as a team with the ME Relationship Manager in providing direct sales support on post origination activities like documentation, reporting, etc by engaging with client, CRC, legal, CFCR, etc.
•    Active engagement with client and also with the product partners to ensure high level of utilization of regular limits.
•    Work with the ME RM on a specified portfolio and jointly responsible for the revenue growth.
•    Compliance and CDD follow up for account maintenance.
•    Tracking and completion of monthly reports including but not limited to HC, performance, RM code management. 
•    In line with the commitment to serve SME segment by supporting their high-quality development needs, SME department will continue to extend the coverage of financial services, uplift comprehensive financial service capabilities for SMEs, as well as provide one-bank financial solution to support SMEs’ whole life cycle growth (from start-up to cross-border expansion).

Key Responsibilities

Strategy & Business
•    Achieve individual financial and non-financial targets while contributing towards team’s overall deliverables through:
-    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.
•    Build and expand existing client relationships through pro-active contact, account planning, wallet sizing and effective pipeline management.
•    Identify and prioritize activities to maximize revenue contribution from allocated client portfolio.
•    Consult and recommend strategies where account management or recovery is needed on problem accounts, assisting credit in identifying sources from minimizing loan losses.
•    Work effectively across geographic borders with customers to deepen relationships with the Bank.
•    Generate creative ideas on customer acquisition and products/ services.
•    To provide one-stop service to SME banking upper segment clients with flexible financial solutions, multi-channel servicing and cross-border capabilities, including commercializing business opportunities of cash management solution, supply chain management, cross-border proposition and working capital financing.
•    To collaborate with CCIB/Affluent to provide total solution to growing enterprise.
•    Keep abreast of SME banking market in term of products and services across markets and among competitors, to support the SME Banking in driving key products and/or service.
•     Assist CPMS product sales to provide relevant service (including. FX forward, Structured Deposit and other etc.) to SME banking upper segment clients based on their needs. 
•    Responsible for identifying the business monitoring and testing and reporting findings, exceptions, and results from monitoring/testing activities.
•    To monitor and ensure strict execution of KYC policy within the SME Banking.
•    To constantly operate within the compliance’s guidelines set by group standard and/or local regulations.

People & Talent
•    Perform professionally as a team player to lead, co-work, or support in all SME Banking related initiatives.
•    Enhance & multiply the quality & depth of direct reports in SME Banking family.
•    Drive performance through clear objectives via KPIs.

Skills and Experience

Risk Management & Governance
•    Ensure effective and efficient operations without sacrifice on control and service quality. Continually look at opportunities for process improvements.
•    Work effectively across SCB, using values behaviours to drive sustainable business growth.
•    Adherence to laws and regulations, internal risk and compliance policies (including anti-money laundering, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct

Compliance & Control
•    Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by all staff.
•    Contribute towards achieving and maintaining satisfactory audit rating.
•    Contribute towards ensuring that the value stream is fit for growth and have effective controls framework.
•    Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work.”
•    Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.”
•    Failing to pass WRB essential for sales will be considered as assessment basis for job incompetency.
•    Be responsible ensuring strict execution of AML CDD/Sanction policy when onboarding clients and client management during client life cycle with SCB. 
•    Timely perform all CDD reviews ensuring no overdue and/or hard hold. 
•    Accountable for implementing and complying with AML CDD/Sanction requirements when performing duties: 
-    Ensure timely escalation of suspected or known transactions which are in breach of Group policy and procedures or local regulatory requirements.
-    Full compliance with AML CDD/Sanction related policy and procedures of Group, Country and local regulatory when performing BAU tasks.  
•    To comply with all compliance requirements with high alertness to MLP procedures and take the lead at all times to be alert to unusual or possibly suspicious customer activity and must report/escalate up on any suspicious transaction. 

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.
•    Lead to achieve the outcomes set out in the Bank’s Conduct Principles. Act responsibly and within your authority, Use good judgment, Speaking Up, Comply with laws, regulations and Group standards, Fight financial crime, Reject bribery and corruption, Ensure fair outcomes for clients, Manage conflicts of interest, Do not engage in or support insider dealing, Protect confidential information, Compete fairly in the market place, Treat colleagues fairly and with respect, Be open and honest with regulators – give them your full co-operation, Respect our communities and the environment
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Qualifications

•    University degree in Finance or related discipline is preferred.
•    With certain years of banking experience preferred.
•    Experience in selling to corporate customers, specifically to small and medium enterprises (SME) preferred. 
•    Knowledge of trade finance products preferred.
•    Good marketing, communication, and interpersonal skill preferred.
•    Willing to work under pressure
•    Proactive, positive attitude, customer oriented, self-motivated & a strong champion of team work spirit
•    Good command in written English preferred. 

Other than above roles, job holder should follow other job duties and responsibilities assigned by line manager from time to time. 

Above key responsibilities and selection criteria are the major assessment to assess the staff if qualified during probation and competent after probation. Failing to satisfy any of the aforesaid requirements, or failing to pass the WRB essential, the employee will be deemed not meeting the recruitment requirement for passing probation, and the Bank is entitled to terminate the employee’s employment contract immediately. For employee who has passed the probation, failing to pass the WRB essential will be taken as assessment basis for job incompetency.  

Before attend and pass the WRB essential class, the employee should not perform any kind of business communication / engagement to customers.

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.