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.

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.

Processes

• 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 Business Banking related initiatives
• Enhance & multiply the quality & depth of direct reports in Business 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

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.
• 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
• Work effectively across SCB, using values behaviors to drive sustainable business growth

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.

Key stakeholders

Internal

• Colleagues in BB, Product, Risk, CFCC, and other supporting Functions and Businesses External:

External

• Existing Customers – To evaluate and monitor customers’ creditability and secure market information.
• Prospective New Customers – To assist RMs in credit assessment of NTB cases. 
• Professionals – To liaise with valuation firms, credit agencies, etc.

Other Responsibilities

• 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
• 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

Our Ideal Candidate

• 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

Role Specific Technical Competencies

• Small Business Banking
• Credit Analysis and Verification

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.