Relationship Manager, Medium Enterprise, SME Banking

4 days ago

Singapore Standard Chartered Singapore Full time

Relationship Manager, Medium Enterprise, SME Banking
To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Medium Enterprise customers within acceptable risk parameters.
Contribute toward achieving team's overall target and delivering optimal portfolio return.
Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, as well as colleagues in CDD teams and partners in Risk, Compliance, other support functions, and Product.
Business
Achieve individual financial and non-financial targets while contributing towards team's overall deliverables through:
Effectively generating new business – identify prospects and convert in line with the Bank's appetite
Strategically formulating account plan – provide client needs-based solutions, structure appropriate credit facility, and execute various banking transactions
Proactively building trusted client relationships – maintain a portfolio of active and growing customers
Market and sell broad range of products including Trade Services, Lending, Cash Management and Wealth
Prepare credit proposal and loan application of customers; prepare annual review on timely basis
Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy
Implement agreed business plan to achieve sales/ revenue targets
Generate creative ideas on customer acquisition and products/ services
Regularly feedback to Team Manager and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes
Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct
People & Talent
Embed the Group's values and culture
Coach peers and more junior staff as appropriate
Partner effectively with internal stakeholders to deliver effective client solutions
Abide by appropriate frameworks to guarantee that business is carried out within the Group's risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
Abide by the Group's values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes, and regulations among employees.
Ensure that Risk Management matters that are brought to the job holder's attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
Do what is right to avoid reputational risks and operational losses
Governance
Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation
Embed the Group's values and code of conduct to ensure that 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
Regulatory & Business Conduct
Display exemplary conduct and live by the Group's 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.
Lead the Business to achieve the outcomes set out in the Bank's Conduct Principles. Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
Our Ideal Candidate
University Graduate
5 plus years of relevant experience in serving business/commercial/corporate clients.
Experience servicing international businesses under the cross-border context and track record in new to bank client acquisition.
Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations.
Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment
Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking
Firm in all business guidelines and compliance issues
Sound knowledge of financial markets and investment products
Outstanding communication and presentation skills
What we offer
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 leave, parental/maternity (20 weeks), sabbatical (12 months 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.
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