Senior RM, Medium Enterprise, SME Banking

To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Medium Enterprise customers within acceptable risk parameters. Contribute toward 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. Business 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 client 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 a 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. Implement agreed business plan to achieve sales/revenue targets. Generate creative ideas on customer acquisition and products/services. Regularly feedback to Team Manager and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes. Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct. Processes Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes. Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level. Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring that they are fit-for-growth. Conduct regular and timely customer due diligence (CDD) reviews. Ensure CDD profiles are error-free for timely sign-off. Follow and comply with AML CDD policies and procedures where applicable. Identify KYC issues, provide solutions or escalate to Line Manager if necessary. 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 procedures. People & Talent Embed the Group’s values and culture. Coach peers and more junior staff as appropriate. Partner effectively with internal stakeholders to deliver effective client solutions. 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 and other stakeholders. Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes, and regulations among employees. Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees. Do what is right to avoid reputational risks and operational losses. Governance Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes. Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture. Engage with all audit report findings and ensure feedback is acted upon. Skills and Experience Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable): Anti-Money Laundering (AML) and all applicable money laundering prevention procedures. Client Due Diligence & Related Periodic Reviews. Client Suitability Standards. Approval & review of Credit Applications. Maintain Documentary standards. Data Confidentiality. Cross-Border Policy. Sanctions. Environmental and Social Risk Management (ESRM). Anti-Bribery and Corruption (ABC). 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. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Lead the Business to achieve the outcomes set out in the Bank’s Conduct Principles. Key stakeholders Colleagues in SME and CDD teams, Product, Risk, Compliance and other support Functions and Businesses. Other Responsibilities Embed Here for good and Group’s brand and values. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures. Work effectively across SCB, using values behaviours to drive overall business growth. Our Ideal Candidate University Graduate. 5 plus years of relevant experience in serving business/commercial/corporate clients in banking industry. Experience servicing international businesses under the cross-border context and track record in new to bank client acquisition. Good understanding and command of Mandarin as the incumbent will support Chinese region markets. Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations/mitigations. Sound product knowledge on trade, cash, lending and FX and 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 financial markets and investment products. Outstanding communication and presentation skills. Role Specific Technical Competencies Familiar with customer due diligence processes including FATCA and CRS adherence. Familiar with working capital financing cycle and products for operating entities. 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. 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. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days). Flexible working options based around home and office locations. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform. A continuous learning culture to support your growth. Being part of an inclusive and values driven organisation. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. #J-18808-Ljbffr