Job Description

Job : Retail Banking
Primary Location : Asia-Malaysia-Johor Bahru
Schedule : Full-time
Employee Status : Permanent
Posting Date : 20/Dec/2022, 3:04:48 AM
Unposting Date : Ongoing


The Role Responsibilities Strategy

• To execute and deliver towards the growth of Business Banking business in line with Group\xe2\x80\x99s strategies.

Business Sales and Portfolio Management

• Build and expand existing client relationships through pro-active contact, account planning, wallet sizing and effective pipeline management.
• Identify and prioritize activities to maximize revenue contribution from allocated client portfolio.
• Provide advice on potential financial solutions based on identified needs
• 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.

Account Plan and limits ownership

• Completion of Account plan and securing requisite approvals;
• Ongoing scrubbing of limits to ensure they are necessary and structured so as to use RWAs efficiently;
• Maintaining a catalogue of all limits (actual and proposed) and their rationale / use liaising with FAMs across the SCB network as needed if applicable.

BCA Preparation and Management

• Timely and accurate completion of BCA
• Ownership of documenting Parental Support, where applicable;
• Completion of ESRA, GWWR and A&S (FM suitability) assessments;
• Preparation of Raptor;
• Proposing Covenants and Risk Triggers, in discussion with Credit Analyst teams and Risk;
• Ensuring coherence of entire BCA package (including part II), jointly with Credit Analysis;
• Liaising with Credit colleagues post submission to expedite turn around times.

Documentation management

• Taking the lead in executing documentation with clients, in partnership with LDU and/or external counsel where appropriate;
• Maintaining a catalogue of all documents held for portfolio clients (facility, security and related);
• Ensuring all documentation remains current, including through the proposing and management of DDWs where necessary;

Partnering COBAM and other operational related responsibilities

• Partner COBAM in ensuring all CDD and related policies and procedures are followed;
• Completion of Sanctions questionnaires, RRRC submissions and similar, liaising with the client as necessary
• The role will be accountable for minimising all Astar overdue and expired items, as well as for reporting requirements around Astar items (particularly Early Alert names).
• The role holder will be accountable for all Excess and Past Due management and related governance
• Monitor and release offerings on Client trade transactions where applicable

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 \xe2\x80\x93 incorporating infrastructure requirements and ensuring that they are fit-for-growth.
• Follow and comply with AML CDD policies and procedures where applicable
• Ensure internal / external KYC requirements are adhered to
• This role encompasses the processes under the ORF such as Client Due Diligence, On-boarding and Account Management, Static Data Monitoring, Credit and Credit Monitoring and Client Offboarding.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group\xe2\x80\x99s 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 \xe2\x80\x93 Credit, IMO, ITO, COBAM, Operational Risk, GIA, Legal, Compliance
• External - Clients, Lawyers and Valuers

Role Specific Competencies

• Manage Conduct
• Manage Risk
• Manage People

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