Standard Chartered

The Role Responsibilities

To acquiring new client relationships to grow the upper segment business and deepen existing client relationships meeting upper segment definitions. Keep abreast with SME Banking market developments to achieve better customer service and sharpened sales focus. 

Strategy & Business

• To provide one-stop service to upper segment clients of SME banking with flexible financial solutions, multi-channel servicing and cross-border capabilities, including commercializing business opportunities of cash management solution, supply chain management, cross-border proposition and working capital financing.
• To support regional head to achieve the business growth and revenue target in treasury and transaction management, trade management, supply chain management and cross-border proposition. 
• 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
• Identify and prioritize activities to maximize revenue contribution from allocated client portfolio.
• Origination and structuring of deals based on client needs jointly with product partners as appropriate
• Consult and recommend strategies where account management or recovery is needed on problem accounts, assisting credit in identifying sources from minimizing loan losses
• Work effectively across geographic borders with customers to deepen relationships with the Bank.
• Generate creative ideas on customer acquisition and products/ services
• Regularly feedback to line managers and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products. Keep abreast of SME market in term of products and services across markets and among competitors, to support SME Banking in driving key products and/or service.

Processes

• Follow and comply with AML CDD policies and procedures where applicable
• Monitor and release offerings on Client trade transactions where applicable
• Support continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.

BCA Preparation / Management

• Timely and accurate completion of BCA
• Work closely with credit analyst / approvers to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing Credit policy requirements.
• Liaising with Credit colleagues post submission to expedite turn-around times.

Account Plan / Limits Ownership/ Account Monitoring

• Completion of Account Plan;
• Ongoing scrubbing of limits to ensure they are necessary and structured so as to optimise use RWAs;
• Minimising all ASTAR overdue and expired items, as well as for reporting requirements around ASTAR items.
• Accountable for all Excess and Past Due management and related governance

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 to achieve the outcomes set out in the Bank’s Conduct Principles [Act responsibly and within your authority, Use good judgment, Speaking Up, Comply with laws, regulations and Group standards, Fight financial crime, Reject bribery and corruption, Ensure fair outcomes for clients, Manage conflicts of interest, Do not engage in or support insider dealing, Protect confidential information, Compete fairly in the market place, Treat colleagues fairly and with respect, Be open and honest with regulators – give them your full co-operation, Respect our communities and the environment

People & Talent

• Perform professionally as a team player to lead, co-work, or support in all SME Banking related initiatives
• Drive performance through clear objectives via KPIs

Risk Management & Governance

• Responsible for identifying the business monitoring and testing and reporting findings, exceptions and results from monitoring/testing activities.
• To monitor and ensure strict execution of KYC policy within the SME Banking.
• To constantly operate within the compliance’s guidelines set by group standard and/or local regulations.
• Accountable for implementing and complying with AML requirements when performing duties.
• Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work
• Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.”
• Embed Here for good and the Group’s brand and values in the region/country
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
• Work effectively across SCB, using values behaviors to drive sustainable business growth

Other Responsibilities

• Understand, acknowledge, and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies
• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities
• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank 
• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections
• Cooperate with any investigations or reviews on regulatory failure such as accountability review

Other than above roles, job holder should follow other job duties and responsibilities assigned by line manager from time to time. 

Above key responsibilities and selection criteria are the major assessment to assess the staff if qualified during probation and competent after probation. Failing to satisfy any of the aforesaid requirements, or failing to pass the CPBB essential, the employee will be deemed not meeting the recruitment requirement for passing probation, and the Bank is entitled to terminate the employee’s employment contract immediately. For employee who has passed the probation, failing to pass the CPBB essential will be taken as assessment basis for job incompetency. Before attend and pass the CPBB essential class, the employee should not perform any kind of business communication / engagement to customers.

Please note that the job description above will be reviewed during the Job Objective setting every year, which may be amended and agreed where necessary by the employee and the line manager. 

Our Ideal Candidate

• University degree in Finance or related discipline is preferred.
• Minimum 8 years of similar frontline experience in SME / Commercial Banking with other banks in China.
• Having prior experience of onboarding clients with STO > USD25mil
• Knowledge of trade finance products, treasury and transaction management, cross-border financing preferred.
• Knowledge of SME upper segment client offerings and market / competitive landscape in the SME upper space
• Strong business understanding, credit risk analysis and financial knowledge
• Strong inter-personal skills and client relationship management experience
• Experience in prospecting, client pitching, sale and account planning
• Willing to work under pressure
• Proactive, positive attitude, customer oriented, self-motivated & a strong champion of teamwork spirit
• Good command in written English preferred.

Role Specific Technical Competencies

• Cash Management Services
• Credit Analysis and Verification
• Customer Experience Management
• Liquidity Management

About Standard Chartered 

We're an international bank, nimble enough to act, big enough for impact. For more than 160 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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, parental/maternity (20 weeks), sabbatical (12 weeks 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