Job Summary

• To provide one-stop service to  upper segment clients of SME banking 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 support regional head to achieve the business growth and revenue target in treasury and transaction management, trade management, supply chain management and cross-border proposition.  
• 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 client 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
• Identify and prioritize activities to maximize revenue contribution from allocated client portfolio.
• Origination and structuring of deals based on client needs jointly with product partners as appropriate
• 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
• Regularly feedback to line managers and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products. Keep abreast of SME market in term of products and services across markets and among competitors, to support SME Banking in driving key products and/or service.

Key Responsibilities

• BCA Preparation / Management
• Timely and accurate completion of BCA
• Work closely with credit analyst / approvers to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing Credit policy requirements.
• Liaising with Credit colleagues post submission to expedite turn-around times.
• Account Plan / Limits Ownership/ Account Monitoring
• Completion of Account Plan;
• Ongoing scrubbing of limits to ensure they are necessary and structured so as to optimise use RWAs;
• Minimising all ASTAR overdue and expired items, as well as for reporting requirements around ASTAR items.
• Accountable for all Excess and Past Due management and related governance

Skills and Experience

• 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

Qualifications

• University degree in Finance or related discipline is preferred.
• Minimum 8 years of similar frontline experience in SME / Commercial Banking with other banks in China.
• Having prior experience of onboarding clients with STO > USD25mil
• Knowledge of trade finance products, treasury and transaction management, cross-border financing preferred.
• Knowledge of SME upper segment client offerings and market / competitive landscape in the SME upper space 
• Strong business understanding, credit risk analysis and financial knowledge
• Strong inter-personal skills and client relationship management experience
• Experience in prospecting, client pitching, sale and account planning
• Willing to work under pressure
• Proactive, positive attitude, customer oriented, self-motivated & a strong champion of teamwork spirit
• Good command in written English preferred

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.