Associate Director, Medium Enterprise, SME Banking

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Associate Director, Medium Enterprise, SME Banking
role at
Standard Chartered Singapore
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Join to apply for the
Associate Director, Medium Enterprise, SME Banking
role at
Standard Chartered Singapore
Job Summary
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
Job Summary
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good. We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.
Purpose
To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Medium Enterprise customers within acceptable risk parameters with a focus on Network Business.
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 clients 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
Processes
Drive 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.
Conduct regular and timely customer due diligence (CDD) reviews
Ensure CDD profiles are error free for timely sign off
Follow and comply with AML CDD policies and procedures where applicable
Identify KYC issues, provide solution or escalate to Line Manager if necessary
Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures
Skills And Experience
Our Ideal Candidate
University Graduate
Over 5 years of relevant experience in serving business/commercial/corporate clients and track record in new to bank client acquisition.
Excellent financial analysis skills and ability to assess client credit worthiness and key risk considerations / mitigations
Sound product knowledge on Trade, Cash Management, 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 wealth products.
A strong command of Mandarin is highly desirable, as the individual in this role will collaborate extensively with the North Asia team and engage regularly with Chinese clients.
Experience servicing international businesses under the cross-border context and track record in new to bank client acquisition.
Role Specific Technical Competencies
Client Acquisition Experience
Region Specific Client Networks & Experience
Technical knowledge and expertise in consumer banking products (i.e. Treasury, Equities, Funds, Insurance, etc)
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
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.
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
Seniority level
Seniority level Mid-Senior level
Employment type
Employment type Full-time
Job function
Job function Information Technology
Industries Banking
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