Job Summary

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  •    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

• •    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.

Skills and Experience

• •    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.  

Qualifications

• University degree in Finance or related discipline is preferred.
• Minimum 3 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 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.