Job Summary

•    To co-work with frontline sales staff including city heads, team leaders/Sub-branch managers and Relationship Managers (RMs) in providing proactive account management in respect of the designated portfolio (both for existing and brand-new customers) with the primary objectives of maximising profits and returns (EP) whilst minimising bad debts (EL management).
•    To liaise with Credit approvers for BCA preparation, editing/amendments, and approval.
•    To support the entire TWC Team in preparation of different kinds of credit applications and reports.
•    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*
•    To co-work with frontline sales staff including city heads, team leaders/Sub-branch managers and Relationship Managers (RMs) in providing proactive account management in respect of the designated portfolio (both for existing and brand-new customers) with the primary objectives of maximising profits and returns (EP) whilst minimising bad debts (EL management).
•    To support the entire TWC Team in preparation of different kinds of credit applications and reports.

Process*
•    To assist in preparation of BCA for both existing customers and NTB cases together with various necessary controlling and follow-up reports including but not limited to Early Alert reports. 
•    To deliver quality credit assessment with well justification and thorough analysis to relevant credit units for ensuring prompt and efficient approval process. 
•    To maintain proactive, regular, and timely control and monitoring on the credit quality of the customer portfolio according to the policies and guidelines of the bank.  
•    To liaise with different units of the bank including but not limited to credit, risk control, etc. and ensure a timely and proper response is delivered. 
•    To keep proper control in submission deadline in all kinds of applications and reporting.
•    To follow up closely with RMs on submission of financial statements for timely preparation of credit analysis.
•    To attend customer visits with RMs and attend factory/site visit (if any) for better understanding of the business development of customers.
•    To assist in preparing all necessary and different types of both internal controlling and external regulatory reports. 
•    To complete all assigned e-learning programmes on time together with other necessary training sessions and knowledge advancement for self-improvement.
•    To proactively recommend constructive suggestions for the improvement of the overall department.  

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 scorecards, KPIs
•    Identify current and future employee development needs (skills, training, behavior, coaching, and career path).
•    Coach peers and more junior staff as appropriate.
•    Partner effectively with internal stakeholders to deliver effective client solutions.
 

Key Responsibilities

Risk Management*
•    To assist Line Manager for aligning the business/function in country.
•    operational risk management approach to the Risk Management Framework and oversee its effective application. 
•    To monitor all different risk factors including but not limited to credit, operational, reputation and compliance risks are respectively met with the required standards and benchmarks. 
•    To always stay alert about the latest market situation and development that may impact the business/credit standing of the customer portfolio.
•    To extend proper account management, ensure prompt reporting and take appropriate actions to properly revolve any irregularity.
•    Any other role needs to be performed as per agreed in the Role & Responsibilities document.
•    Work effectively across SCB, using values behaviors to drive sustainable business growth.
•    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.
•    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. 
 

Other Responsibilities

•    Embed Here for good and the Group’s brand and values in the region/country.
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
•    Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.  
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review.
•    Understand, acknowledge, and comply with the requirements as set by all applicable regulators.
•    Ensure to perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.
•    Ensure to timely handling the various regulatory requirements under appropriate permission, e.g. report, survey, consulting paper, research paper, inspection, regulator queries regarding regulatory submission (if any), etc. 
•    Properly perform the duties on management and ensure the effectiveness of internal control. 
•    Be responsible for regulatory failure or risks arising from or in connection of the event over which the employee has the duties of management and/or leadership.
•    Be responsible for significant losses due to failure of effectiveness of internal control.  

Qualification

Bachelor’s degree preferably in finance, accounting, or other business-related fields.
•    Prior working experience in banks, preferably credit and marketing related areas. 
•    Strong analytical, reasoning, and presentational skills. 
•    Sound knowledge of bank products, services, procedures and regulations, equities markets, unit trusts and other personal investment services.
•    Strong ability to work under tight deadline and high pressure, particularly in terms of process reinforcement, issue rectification.
•    Self-motivated with ability to multi-task skill able to work and excel in a team environment.
•    Excellent command of English & Mandarin.
 

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.