JOB SUMMARY

Assistant Relationship Manager (ARM) will be directly supporting Client Coverage Relationship Manager (RM). ARM responsibilities include:

• ARM would support RM in servicing the clients, deepening the client relationship, and driving revenue growth.
• ARM is overall responsible for the housekeeping activities with respect of the RM portfolio.
• Proactive assistance to the Client Coverage Relationship Manager/Senior Banker/Banker 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 Senior Banker/Banker 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.
• Depending on experience level, the ARM may also take Junior Relationship Manager responsibility for a portfolio of banks and broker dealer clients.
• As Junior Relationship Manager, lead the origination and client relationship management for a portfolio of banks and broker dealer clients, including setting overall client strategy.  Develop and maintain a deep understanding of the clients’ needs and the industries/markets in which they operate.

RESPONSIBILITIES

Business

• Provide direct sales support to the Client Coverage Relationship Managers/Senior Banker/Banker on all origination activities for the assigned ARM client portfolio:
• As RM, lead the development and implementation of the client strategy (working with the coverage team including product partners) for the designated portfolio.

• Actively identify client needs across full set of SCB product capabilities, originate new business and grow the franchise by capitalising on bank competitive attributes (e.g., Network etc).  Selectively developing new relationships where required.
• Engage decision makers of key clients to improve the quality of a dialogue with clients.  Anticipate clients’ needs and provide advice, binging in the relevant product and industry partners as appropriate.
• Maximise the profitable revenue to the Bank whilst maintaining focus on client outcomes, strengthening, and deepening existing relationships both at the senior level as well as at the operating level in the clients in the designated portfolio.
• Professionally represent Standard Chartered Bank at the highest levels within region and internationally.
• Ensure that industry and product knowledge is continually developed personally and within the team.
• Stay abreast and anticipate the developments of the industries/markets in which our clients operate.
• Work with Credit Analyst (CA) and RM and obtain all pre-deal clearances.
• Obtain all necessary information for the completion of CDD (Client Due Diligence) and credit reports, e.g., Business Credit Application (BCA), FM Appropriateness, etc.
• Co-work with COBAM team to 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.

Processes

• Close ties exist with key stakeholders e.g., Financial Markets, Transaction Banking, Specialized Finance, Risk, Country CEOs, Service Delivery, etc.
• Risks are appropriately identified and managed.
• The team is suitably trained with respect to an understanding of the regulatory environment, keeping up to date with applicable changes and Group policies with ability to contribute and, where possible, influencing policy formulation.
• Key regulatory risks and concerns are raised into the governance framework throughout the Global Banking team.
• All sales disciplines are adhered in accordance with CIB standards i.e., Account Planning, Call Reports, Deal Pipeline Management, static data management as applicable for the role.
• Effectively maintain static data in SCI (and all downstream TP systems) to ensure data integrity
• Co-work with COBAM team to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
• Work on CDD together with the Client Due Diligence Execution Team (CET) to ensure proper and timely completion of CDD requirements.

Risk Management

• 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 in order to minimise the risk of loss to the Bank.
• Manage client for their day-to-day requirements

• Work with CA (Credit Analysis) 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 also facilitate approvals wherever required
• Attend various internal or external sales/non-sales meetings like EAR, etc.
• Duly comply with both SCB internal policies/procedures and local regulatory requirements.  Failure to comply with internal policies/procedures and/or local regulatory requirements may lead to disciplinary action which could result in dismissal.
• 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.
• Act as the Responsible Person (RP) for Operational Risk work in the unit by conducting the following tasks:
• Execute CST/KCI/KCSA (and KRI if any) in a timely manner (no overdue results caused by RP) and ensure that the quality of CST/KCI/KCSA (and KRI if any) can stand up to scrutiny and review by the second and third lines of defence, which are the relevant Risk Owner, OR, and Group Internal Audit Japan, respectively.
• Continuously be vigilant to identify material operational risks, and flag those to Line Manager, BORM (Front Office), Governance & Control Officer (Operations), SORO (Business/Operations), CCRO (Functions) as appropriate.

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 Japan CIB Bank & Broker Dealers team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.  
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Regulators prescribed responsibilities and Rationale for allocation.

Key Stakeholders
Internal:

• Client Coverage Relationship Manager
• Head, Client Coverage, CIB, Japan
• Senior Banker/Banker
• 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

• Embed Here for good and Group’s brand and values in Japan CCIB Bank & Broker Dealers 
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats) ​​​​​​​

Qualification

• Academic or Professional Education/Qualifications, i.e., standards required for roles
• Licenses and Certifications/accreditations, i.e., JSDA Sales Rep
• Professional Memberships, i.e., required for roles for continuous development/ improvement/awareness of current practices etc
• Bank training, i.e., mandatory & developmental - role specific, and regulatory/compliance bank wide & role specific,
• Languages: i.e., those required for roles

Role Specific Technical Competencies

• Account Management
• Addressing Customer Needs
• Credit Analysis and Verification
• Customer Service Management
• Customer Support Function
• Knowledge of Customers
• Problem Management Process
• Sales Support and Administration
• Sales Systems
   

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.