Job Description

Role Responsibilities

• Review, analyse and approval of Business Credit Applications to ensure robust quality of credit within the parameters specified under the Group & Local Credit Policy to support business growth for Medium Enterprise segment.

Strategy

• Robust new business / portfolio monitoring framework and timely intervention strategy.
• Pro-active engagement with business for strategy development and execution / feedback
• Innovative, cost effective and automated solution / process for risk management initiatives

Business

• Ensure quality of credit portfolio is maintained within the parameters specified under the Group & Local Credit Policy and support business strategy to ensure healthy asset growth with acceptable risk return appetite.
• Joint responsibility on loan impairment, delinquency, credit risk cost management performance and risk KPIs

Processes

• Ensure quality of Business Credit Applications (\xe2\x80\x9cBCAs\xe2\x80\x9d) meet Group and Local Credit Policy standards, particularly with regards to the completeness and depth of risk analysis.
• Approval of BCAs falling within own discretion and support of BCAs, which require approval beyond self credit delegation.
• Undertake customer visit where necessary to ensure credit standards are maintained.
• Timely and accurate output / service to support good portfolio growth and optimized risk return decisions.
• Improve efficiency / reduce wastage so as to reduce TAT.

Risk Management

• Monitoring compliance with Credit Policy and business strategy on at least a quarterly basis and reviewing any divergence from risk appetite of Commercial Banking to ensure credit quality standards are achieved.
• Conduct timely self-assessment on compliance within the job scope.
• Ensure compliance with the Group\xe2\x80\x99s standards and regulatory requirements pertaining to Money Laundering and CDD.

Governance

• Adherence to Group policy and process through success on audit / CRR / self-assessment.

Key stakeholders

• Internal Customers \xe2\x80\x93 other departments like Product Management, Sales, Transactional Banking, Operations, Credit Risk Control and Legal &Compliance. Interaction with these departments for joint initiatives and key business deliverables.
• External Customers \xe2\x80\x93 bank\xe2\x80\x99s customers for feedback/complaints, regulators/ group office / auditors for reporting/discussion/ feedback, etc.

Our Ideal Candidate

• Attainment of tertiary or equivalent professional academic qualification.
• Minimum 5 years working experience in credit underwriting role of commercial business segment.

Role Specific Competencies

• C & I Credit Risk

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.

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