Job Description

Role Responsibilities Strategy * To execute and deliver towards the growth of Banking Business in line with Group&rsquos strategies. Business Origination * Interact with the client, gather deal requirements, financial statements and other Role Responsibilities Strategy To execute and deliver towards the growth of Banking Business in line with Group&rsquos strategies. Business Origination Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence. Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products. Work with the RM, in preparing & presenting work-shopping note and expediting approvals. Responsible for end-to-end BCA process including preparing all the tools like RAPTOR, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval. Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. the Country portfolio standards, regulatory compliance, or other special reporting requirements, etc. Coordinate and prepare for CAC meetings, if applicable Liaise with GAM Credit for limit approval/allocation. Work closely with the Credit teams to improve service turnaround time and to strengthen the control on credit related issues Prepare SCEL where required (for Malaysia only) Post Deal Account Monitoring Monitor quality of the portfolio with periodic checks via CART monitoring and strictly complying with ASTAR, EA processes. No BCA overdues and compliance with cap 5% on BCA extensions Ensure Zero CART & PCR over dues. Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries. Proper maintenance of Credit documents and ensuring Audit Ready at any time Attend CIC/Portfolio call/MTM calls along with the RMs In partnership with the relationship manager, ensure timely identification of accounts to be put in EA, and no non-EA downgrades to Collection Accounts Others Prepare timely Stress Tests wherever required Prepare Credit Opinion reports wherever required. Prepare specific industry study Co-Management of BB accounts with Collection Team Work closely with BB RM / Collection Account Manager to formulate account strategies and action plans and ensure relevant systems and controls pertaining to the role are in compliance with Group policies and procedures. The role needs to be performed as per agreed co-management Role & Responsibilities document. Processes Support 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. This role encompasses the processes under the ORF namely, Credit and Credit Monitoring, Offshore Booking, ACBS and Lending processes Follow and comply with AML CDD policies and procedures where applicable Ensure Credit Certification completion as per Bank&rsquos standard People and Talent Responsible for driving appropriate culture and values within the team. Setting appropriate tone and expectations for the team, working in collaboration with risk and control partners across all functions to effectively embed a strong culture of risk awareness and good conduct for business. Risk Management Understand the risk and control environment in their area of responsibility and drive rectification as required Be the first line of defence Proper maintenance of Credit files and ensuring Audit Ready at any time Prepare EAR for clients included in EA for closer monitoring In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank&rsquos policies and guidelines Risk appetite is clear and integral to the strategy with appropriate controls Effective processes in place to identify, manage, monitor and report risk Governance Ensure adherence with the relevant policies and processes, including Anti Money laundering (AML) and all applicable money laundering prevention procedures Client Due Diligence & Related Periodic Reviews Client Suitability Standards Treating Customers Fairly 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) Gift and Entertainment Embed the Group&rsquos values and code of conduct to ensure 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 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 &lsquoeffective 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&rsquos 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. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Ensure compliance to the Group Sanctions Procedures Ensure adherence tp all the local regulations (i.e., Bank Negara Malaysia), guidelines and policies Key Stakeholders Internal - Credit, IMO, Operational Risk, GIA, Legal, Compliance External - Clients. Other Responsibilities Embed Here for good and the Group&rsquos brand and values Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures Work effectively across SCB, using valued behaviours to drive overall business growth 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 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