JOB SUMMARY
To assist in monitoring and analysis of the loan portfolio in Private Bank, as well as providing lending solutions (in the Lombard space) in the Private Banking, across all the key footprint markets of Standard Chartered Bank. Key duties include tracking performance, identifying risks, conducting financial analysis, creating reports, and communicating with clients and stakeholders and upholding the values of Standard Chartered Bank.

RESPONSIBILITIES

Strategy
•    To support lending strategy by monitoring, compiling, review and verify loan portfolio for the PvB locally and globally. 
•    Actively originating lending deals, by closely working with the senior lenders and providing such lending solutions to the Private Banking clients. As the first line of defence, to ensure sufficient risk management.
•    To enhance the understanding of lending by actively engaging with RMs and clients and market our lending products.

Business
•    Prepare appropriate client proposals, pitchbooks, industry updates
•    Track market and general financial and economic developments
•    Participate on identified projects to spearhead lending initiatives
•    Support the delivery of the Private Bank business’ short and longer-term objectives.
•    Ensure timely turnaround in tasks on-hand including enquiries from RMs and clients, ongoing reviews of existing accounts
•    Support the team in annual renewal cases / reviews   
•    Meet clients lending solutions based on clients’ needs and bank’s risk appetite, in terms of structured lending.

Processes
•    Support RMs in the credit process and perform tasks as per Global LST Rules of Engagement 
•    Take responsibility to comply with internal policies, procedures, codes and applicable external laws and regulations.
•    Get involved and lead some of the development as part of the credit process upgrades

Risk Management
•    Do what is right in order to avoid reputational risks and operational losses
•    Gain thorough understanding of risk and control environment and drive rectifications as required.
•    Ensure effective implementation of Risk Management framework in the team (risk appetite is clear and integral to the strategy with appropriate controls, and having effective processes in place to identify, manage, monitor and report risk
•    Ensure systems and procedures are in place to safeguard the security, integrity and confidentiality of information

Governance
•    Ensure compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation
•    Ensure (i) adherence to and (ii) receives prompt and regular training on: the following Regulatory Compliance policies and processes (both onshore & offshore, as is applicable) including but not limited to Treating Customers Fairly, Suitability, KYC, AML, CDD, AOD, AML, sanctions laws and terrorist financing, regulations, rules and standard business practices.
•    Ensure adherence with the highest standards of ethics and compliance with relevant policies, processes and regulations.

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.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders
•    Global Head of Lending Solutions, Affluent Client 
•    Market Heads Private Bank 
•    Senior Credit Officers and Senior Credit Managers for Private Banking

Other Responsibilities
Embed Here for good and Group’s brand and values in Singapore/ Private Bank; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats) 

Our Ideal Candidate
•    Financial analysis and reporting
•    Analytical and problem-solving skills

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.