JOB SUMMARY

The RM leads Shenzhen LCMM team with several experienced RM, covers a portfolio of existing clients, originates the banking cooperation with new to bank clients, establishes the account strategy and leads multiple business products and partners for collaboration, and take accountability for client revenues and profitability.  

RESPONSIBILITIES

Business
•    To proactively manage (deepen) existing relationships for the designated Liability portfolio and acquire new clients (LCMM), with the objectives of maximizing financial goals and up-tier client relationship. 
•    To strategically formulate account plans by cross-selling the Bank’s products and services and providing clients need-based solutions, in order to deliver the business goals.
•    To ensure internal / external KYC (know your customer) requirements are adhered to AML and CDD policies and procedures
•    To timely handle customers’ requests and/or complaints in accordance with established procedures.
•    To cautiously manage tail/exit process to minimize client complaints.
•    Work closely as a team with other Relationship Managers to share some ARM responsibilities when required. 

Processes
•    The Liabilities Parent Account Manager is responsible for the overall Client Group Account Plan/Client Strategy.  
•    The RM is responsible for his/her portfolio Account Planning (client strategy) process and is responsible for providing support with this process:
•    Attend and minute Account Planning/Strategy ‘deep dive sessions’
•    Work with the product partners to maximize cross-sell and returns on risk weighted assets.
•    Ensure all relevant client team members/internal stakeholders have been appropriately engaged by the Banker with respect to the planning and communication of the relevant approved strategy for each client 

•    In partnership with product partners of complex and structured transactions. Review client profitability data for clients and discuss opportunities/concerns with Senior Banker.
•    Participate in conversations with clients to understand their needs and discuss the base account strategy and related opportunities, transactions, pricing issues, etc.
•    Understand and be able to articulate the overall strategy for each client
•    Vigilant monitoring of client performance with a deep understanding of the client’s overall industry business, performance and outlook.
•    Proactive engagement and management of internal deal teams (all relevant product and functional partners) for complex transactions.  Ensure all sensitive deal information is managed and treated confidentially
•    Drive product and geography cross sell with clients
•    Prompt logging of client calls into CRMx (within 3 Days of the client meeting) and updating the deal pipeline.  Ensure client team activities required to accelerate deal conversion are followed up with the relevant internal stakeholders and with clients.

Risk Management
•    Actively undertake tail management of client base to ensure that clients remain on strategy and relevant.  Otherwise, initiate exit process to manage out the client
•    Ensure compliance with Bank 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:
•    Senior Banker/Banker
•    Product Sales Managers for designated portfolio 
•    Client Manager, Credit Analyst for designated portfolio 
•    Product partners for designated portfolio
•    Key functional partners ie COBAM, CET, Credit, CRC, LDU, MDU, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Brand and Marketing, Corporate Affairs, COO, Business Operational Risk Managers
•    CM Team Lead
•    Segment Leadership team
•    External:
•    Clients
•    Legal firms, Audit
•    Market Data Services providers

Other Responsibilities
•    Embed Here for good and Group’s brand and values in daily duty
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Qualifications
•    Education     Bachelor
•    Certifications     CFA or CPA is preferred, but not mandatory
•    Languages     English and Chinese

Role Specific Technical Competencies
•    Liability or portfolio management
•    Relationship Management

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.