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.
• 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.
• Accountable for implementing and complying with AML requirements when performing duties.
• 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.

Skills and Experience

• Cash Management Services    
• Credit Analysis and Verification    
• Customer Experience Management    
• Liquidity Management    

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.