Evaluate existing and new customer applications for credit to advise whether they meet our target market and risk acceptance (review applications against approved Product Development Documents (PDDs), Departmental Operating Instructions (DOIs) and SCB Policies and standards).
•Sourcing documents required for a credit application i.e. financials, security documents, KYC
•Evaluates and acquires a good understanding of the risks associated with individual transactions, products and customers e.g. excesses.
•Recommending credit application for approval. This involves reviewing and analyzing Credit Applications including company financials, company management and all risks affecting a company.
•Works with Credit Analyst to recommend most appropriate facility structure/product solutions to meet individual customer needs.
•RM with analyst discusses applications with approvers in case of any query.
•Backs up the analyst when the analyst is away on leave.
•Initiates marketing and credit calls with existing and potential customers and records all customer calls.
•Initiates periodic review of accounts under his/her portfolio
•Manage the existing Liability portfolio to protect the Banks exposure and maximize returns in a manner consistent with SME Banking strategy and in line with Group policy.
•Aggressively market for low cost deposits, Current & Savings Accounts from business customers.
•Monitor Liability trends and overall pricing of deposits in line with the strategy
•Provides feedback to Bank management and colleagues regarding customer needs, bank products, customer complaints etc.
•Fosters effective working partnerships with SME members and other support functions
Key Roles & Responsibilities
•Analyses and reviews quality of potential and existing business to ensure maximum profitability.•Aim to increase share of wallet by increased cross sell of at least 2 bank products per customer.
•Directly work with customers to deepen and secure new business relationships through the analyses of needs and provision of products and services.
•Creatively tailor products to meet individual customer needs.
•Manages credit quality standards through effective management of risk according to the Departmental Operating Instructions (DOI) and other SCB policies.
•Maintain accurate and up-to-date records of all actual and attempted customer interactions.
•Conduct customer meetings that have defined call objectives, desired outcomes and a well-constructed plan.
•Work in close partnership with Business Analysts and Credit Managers to ensure that credit applications for new and existing facilities are correctly prepared in accordance with DOI.
•After consideration of individual case merits, recommend credits for approval by relevant authorities.
•Liaise and provide leadership in areas of expertise, particularly in the provision of products and services to customers.
•May be requested to co-ordinate country or regional initiatives within a SME team.
•Provide feedback to senior management, marketing and product management on customer’s needs and the efficiency of marketing strategies and tactics.
•Responsible for delivering a service to customers that matches the Bank’s brand promise of being ‘Here for Good’
Qualifications & Skills
Experience:
At least 3 years experience in a credit function plus knowledge of the banking environment will be an added advantage. This experience should be in a front office position or sales position.
Experience in corporate/wholesale banking an asset.
Knowledge:
•Preferably a Good first Degree in a numerical subject e.g. Bachelor of Commerce-Accounting, Finance, Statistics etc.
•Good understanding of accounts gained through professional associations i.e. ACCA, CPA
•Credit Skills Assessment qualified or enrolled.
•Trade Skills Assessment qualified or enrolled.
Key Competencies/personal attributes:
•Analytical skills and able to probe and identify opportunities
Diversity & Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.
•Sourcing documents required for a credit application i.e. financials, security documents, KYC
•Evaluates and acquires a good understanding of the risks associated with individual transactions, products and customers e.g. excesses.
•Recommending credit application for approval. This involves reviewing and analyzing Credit Applications including company financials, company management and all risks affecting a company.
•Works with Credit Analyst to recommend most appropriate facility structure/product solutions to meet individual customer needs.
•RM with analyst discusses applications with approvers in case of any query.
•Backs up the analyst when the analyst is away on leave.
•Initiates marketing and credit calls with existing and potential customers and records all customer calls.
•Initiates periodic review of accounts under his/her portfolio
•Manage the existing Liability portfolio to protect the Banks exposure and maximize returns in a manner consistent with SME Banking strategy and in line with Group policy.
•Aggressively market for low cost deposits, Current & Savings Accounts from business customers.
•Monitor Liability trends and overall pricing of deposits in line with the strategy
•Provides feedback to Bank management and colleagues regarding customer needs, bank products, customer complaints etc.
•Fosters effective working partnerships with SME members and other support functions
Key Roles & Responsibilities
•Analyses and reviews quality of potential and existing business to ensure maximum profitability.•Aim to increase share of wallet by increased cross sell of at least 2 bank products per customer.
•Directly work with customers to deepen and secure new business relationships through the analyses of needs and provision of products and services.
•Creatively tailor products to meet individual customer needs.
•Manages credit quality standards through effective management of risk according to the Departmental Operating Instructions (DOI) and other SCB policies.
•Maintain accurate and up-to-date records of all actual and attempted customer interactions.
•Conduct customer meetings that have defined call objectives, desired outcomes and a well-constructed plan.
•Work in close partnership with Business Analysts and Credit Managers to ensure that credit applications for new and existing facilities are correctly prepared in accordance with DOI.
•After consideration of individual case merits, recommend credits for approval by relevant authorities.
•Liaise and provide leadership in areas of expertise, particularly in the provision of products and services to customers.
•May be requested to co-ordinate country or regional initiatives within a SME team.
•Provide feedback to senior management, marketing and product management on customer’s needs and the efficiency of marketing strategies and tactics.
•Responsible for delivering a service to customers that matches the Bank’s brand promise of being ‘Here for Good’
Qualifications & Skills
Experience:
At least 3 years experience in a credit function plus knowledge of the banking environment will be an added advantage. This experience should be in a front office position or sales position.
Experience in corporate/wholesale banking an asset.
Knowledge:
•Preferably a Good first Degree in a numerical subject e.g. Bachelor of Commerce-Accounting, Finance, Statistics etc.
•Good understanding of accounts gained through professional associations i.e. ACCA, CPA
•Credit Skills Assessment qualified or enrolled.
•Trade Skills Assessment qualified or enrolled.
Key Competencies/personal attributes:
•Analytical skills and able to probe and identify opportunities
Diversity & Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.
Company Description
Standard Chartered PLC is a leading international bank, listed on the London, Hong Kong and Mumbai stock exchanges. It has operated for over 150 years in some of the world's most dynamic markets and earns more than 90 per cent of its income and profits in Asia, Africa and the Middle East. This geographic focus and commitment to developing deep relationships with clients and customers has driven the Bank's growth in recent years.With 1,700 offices in 70 markets, Standard Chartered offers exciting and challenging international career opportunities for around 85,000 staff. It is committed to building a sustainable business over the long term and is trusted worldwide for upholding high standards of corporate governance, social responsibility, environmental protection and employee diversity. The Bank's heritage and values are expressed in its brand promise, Here for good.
