JOB SUMMARY

ARM will be directly supporting International Corporates Relationship Manager. The ARM responsibilities include:

• Proactive assistance to the Client Coverage Relationship Manager with transactional support on new business origination activities i.e. client research, pitch books, industry leads etc; including coordination with network and product
• Client analysis, reporting on post origination activities; client meeting documentation 
• Support Relationship Manager on sales discipline requirements i.e. Account Planning process; pipeline maintenance; client call reports; preparation of deal approval submissions
• New transactions: Deal execution support, credit documentation, limit loading, co-ordination with sales/product on fee letters, deal drawdown. 
• Proactive management of portfolio including client and product partner engagement to ensure limit utilization.

RESPONSIBILITIES

Business

• Provide direct sales support to the Client Coverage Relationship Managers on all origination activities for the assigned ARM client portfolio:

Client Coverage Business

• Assistant Relationship Manager (ARM) would support the Relationship Manager (RM) in servicing the clients, deepening the client relationship, and driving revenue growth.
• ARM is overall responsible for the housekeeping activities in respect of the RM portfolio
• Work with Credit Analyst (CA) and RM and obtain all pre-deal clearances.
• Obtain all necessary information for the completion of CDD and credit reports, e.g., Business Credit Application (BCA), FM Appropriateness, etc.
• Effectively maintain static data in SCI (and all downstream TP systems) to ensure data integrity.

• Ensure smooth on-boarding of client after thorough completion of documentation and other processes.
• Work with Credit Analyst for resolving Credit queries.
• Ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
• Liaise with Legal/external counsel/Credit Risk Control in preparation and execution of documentation along with product partners.
• Work on CDD together with the Client Due Diligence Execution Team (CET) to ensure proper and timely completion of CDD requirements.

International Corporates Business

• In partnership with the Relationship Manager the ARM is jointly accountable for client revenues/profitability through the provision of origination support including.
• Proactive assistance to the Relationship Manager with transactional support on client research and meeting preparation/documentation i.e., pitch book preparation, research into industry trends etc; coordinating with product and other key stakeholders across the network to ensure client materials are of the highest quality and client focused
• Complete bespoke client analysis as required including competitor analysis reflecting SCB’s value proposition vs peers; Complete relevant reporting on post origination activities; client meeting documentation.
• Ensure adherence to all sales discipline requirements i.e., provide support to the Relationship Manager on Account Planning, deal pipeline and call report administration/discipline, as agreed with the Relationship Manager
• Client meeting preparation and execution including logistics if attending client meetings in partnership with the Relationship Manager
• Provide support on new business transactions i.e., deal execution support, credit documentation, limit loading, coordination with Product Sales on fee letters, deal drawdown. 
• Proactive management of portfolio including client and product partner engagement to ensure limit utilization

Processes

• Client Coverage Business
• Ensure that all administration associated with the team portfolio is done accurately in accordance with laid-down procedures and on a timely basis.
• Monitor clients’ performance and keep track of the account MIS.
• Maintain and exercise control over allotted RM portfolio to ensure that services to the clients are of the highest standard while constantly monitoring customer quality to minimise the risk of loss to the Bank.
• Manage clients for their day-to-day requirements.
• Work with CA to review Failed Trade status, EAR, ASTAR, CCRT, etc. to ensure discipline and credit quality in portfolio.
• Review the excess/past due situation with CA to ensure these are regularised and facilitate approvals wherever required.
• Attend various internal or external sales/non-sales meetings like EAR, CAT, MTM calls, Portfolio Review Meeting and etc.

International Corporates Business

• The Relationship Manager is responsible for the overall Client Group Account Plan/Client Strategy.  The ARM is responsible for supporting the Relationship Manager in the Account Planning (client strategy) process and is responsible for providing support with this process:
• Attend and minute Account Planning/Strategy ‘deep dive sessions’
• Work with the product partners to maximize cross-sell and returns on risk weighted assets.
• Ensure all relevant client team members/internal stakeholders have been appropriately engaged by the Relationship Manager with respect to the planning and communication of the relevant approved strategy for each client 
• In partnership with product partners, ensure appropriate line utilization of complex and structured transactions. Review client profitability data for clients and discuss opportunities/concerns with Relationship Manager.
• In partnership with the Relationship Manager, participate in conversations with clients to understand their needs and discuss the needs-based account strategy and related opportunities, transactions, pricing issues etc.

• In partnership with the Credit Analyst, identify clients that need to be classified as Early Alert with Credit and/or transferred to GSAM
• Understand and be able to articulate the overall strategy for each client
• Support the Relationship Manager through on-going client engagement and vigilant monitoring of client performance with a deep understanding of the client’s overall industry business, performance and outlook.
• Support the Relationship Manager with the proactive engagement and management of internal deal teams (all relevant product and functional partners) for complex transactions.  Ensure all sensitive deal information is managed and treated confidentially
• As agreed with the Relationship Manager, drive product and geography cross sell with clients
• Provide support to the Relationship Manager with prompt logging of client calls into WorkBench (within 24 hours of the client meeting) and updating the deal pipeline.  Support the Relationship Manager to ensure client team activities required to accelerate deal conversion are followed up with the relevant internal stakeholders and with clients 
• Support the CA on periodic credit reviews with requested information/ and engagement with the client (if required) particularly during periods of market volatility
• Provide support to the Relationship Manager on exemplary deal management from origination to post deal ensuring at all times completion of relevant documentation, fulfilment of deal conditions and monitoring post fund disbursement

Risk Management

• In partnership with the Credit Analyst, complete on-going monitoring against revolving business environment and ensure risk triggers and transaction covenants are satisfactorily reviewed and attended to 
• Work closely with clients to understand buying behaviour and needs to right size limits to ensure optimal usage, maximise client RoRWA and reduce drag on assets

• Actively undertake tail management of client base to ensure that clients remain on strategy and relevant.  Otherwise, initiate exit process to manage out the client
• Ensure compliance with Bank policies and procedures as it relates to core ARM activities
• Duly comply with both SCB internal policies/procedures and local regulatory requirements.
• Ensure compliance to Group Operational Risk Policy, Anti-Money Laundering Prevention policy, CDD policy, and other relevant policies.  Cooperate with the Money Laundering Prevention Officers (Unit, Business, and Country) to ensure compliance to internal and external controls and procedures for money laundering prevention.  Where appropriate, assist in the investigation of financial crime risks and the reporting of suspicious activities.

Governance

• Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight, and controls in the business and, if necessary, oversee changes in these areas
• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner. 

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.
• Lead the [Client Coverage & Global Subsidiaries Businesses] to achieve the outcomes set out in the Bank’s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.
• Adhere to local regulator e.g., PRA/FCA prescribed responsibilities and Rationale for allocation.

Key Stakeholders

Internal:

• Client Coverage Relationship Manager
• Head, Client Coverage, CCIB, Japan
• Product Sales Managers for designated portfolio 
• Client Manager, Credit Analyst for designated portfolio 
• Product partners for designated portfolio
• Key functional partners i.e., COBAM, CET, Credit, CRC, LDU, MDU, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Brand and Marketing, Corporate Affairs, COO, Business Operational Risk Managers
• CM Team Lead
• Segment Leadership team

External:

• Clients
• Legal firms, Audit
• Market Data Services providers

Other Responsibilities

• Do the right thing: Be brave, be the change; Think client; Live with integrity
• Never Settle: Continuously improve and innovate; Simplify; Learn from your successes and failures
• Better together: See more in others; How can I help? Build for the long term
   

Qualifications

Education     

• Bachelor’s degree in banking or finance preferred

Training / experience    

• Ideally 3+ years experience in banking or other relevant environment
• Risk & AML certified as stipulated by Standard Chartered policy

Languages:  Japanese (native) and English (business level)

Role Specific Technical Competencies

• Manage Conduct
• Risk Management and Internal Controls
• Business - Strategy and Model
• Business - Market Knowledge
• Business - Products and Processes
• Financial – Balance Sheet Management
• Sales – Prospecting
• Sales - Account Planning
• Sales - Client Pitching
• Sales - Relationship 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.