Job Summary

• To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters.
• Contribute towards achieving team’s overall target and delivering optimal portfolio return.
• Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, as well as colleagues in CDD teams and partners in Risk, Compliance, other support functions, and Product.

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
• Market and sell broad range of products including Trade Services, Lending, Cash Management and Wealth
• Prepare credit proposal and loan application of customers; prepare annual review on timely basis
• Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy
• Regularly feedback to Team Manager and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes
• Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
• Timely handling of customer issues, complaints, and product enquiries in accordance with established procedure
• Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.

Our Ideal Candidate

• University Graduate
• 5 years of relevant experience in serving commercial/corporate clients.
• Experience servicing international businesses under the cross-border context and track record in new to bank client acquisition.
• The candidate is required to speak in fluent Mandarin to support clients in the Chinese market.
• Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations.
• Sound product knowledge on Trade (including Receivables Services), Cash Management, Lending and FX.
• Strong understanding of local industries, supply/value chains and market environment
• Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking.
• Firm in all business guidelines and compliance issues 
• Sound knowledge of wealth products
• Outstanding communication and presentation skills

Role Specific Technical Competencies
•    Account Management for business/ commercial/ corporate clients
•    New to Bank Acquisition 
•    Financial Statement Analysis
•    Credit Analysis and Verification
•    Knowledge of Customers
•    Addressing Customer Needs – Trade, Cash, Lending and FX products and processes
•    Analytical Thinking
•    Industry Knowledge
•    Problem Account Management Process
•    Risk Management

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers