Job Description

RESPONSIBILITIES Ensure quality of Business Credit Applications (\'BCAs\') meet Group and Local Credit Policy standards, particularly with regards to the completeness and depth of risk analysis. Approving of BCAs falling within own discretion and support of BCAs, which require approval beyond own credit delegation. 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. Undertake customer visit where necessary to ensure credit standards are maintained. Conduct timely self-assessment on compliance within the job scope. Ensure compliance with the Group\'s standards and regulatory requirements pertaining to Money Laundering and CDD. Key Customers: Internal Customers - 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 - bank\'s customers for feedback/complaints, regulators/ group office / auditors for reporting/discussion/ feedback, etc. Key Measurable: Joint responsibility on loan impairment, delinquency, credit risk cost management performance and risk KPIs New business booking quality and portfolio growth quality Robust new business / portfolio monitoring framework and timely intervention strategy. Timely and accurate output / service to support good portfolio growth and optimized risk return decisions. Improve efficiency / reduce wastage so as to reduce TAT Pro-active engagement with business for strategy development and execution / feedback Innovative, cost effective and automated solution / process for risk management initiatives Adherence to Group policy and process through success on audit / CRR / self-assessment KNOWLEDGE/SKILLS/EXPERIENCE Sound knowledge of local regulations pertaining to commercial credit Strong credit analytical skills and able to undertake perform task independently. Sound knowledge of lending parameters & credit life cycle Sound knowledge of commercial products, particularly trade and working capital products Clearance of CSA / CCC within 6 months of joining and within 2 attempts 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 , together with our brand promise, to be are achieved by how we each live our . 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

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