Assistant Manager OBL CRC (Credit Risk Control)

Job Description

*The Role Responsibilities OBL Credit Risk Control is a control function that protects the Bank s interest by ensuring full compliance with all credit approved terms & conditions and applicable policies prior to loan disbursement. Key Responsibilities
• Completion of pre-booking activities by ensuring that all supporting documentation is in place for the booking of Offshore Loans
• Follow OBL processes to obtain and collate approvals (tax, compliance, legal)
• Complete due diligence on facility documentation (facility agreements, banking facility letters, offer letters, Murabaha agreements), where SCB UK is the lender but the borrower is based offshore, checking the documentation against the terms agreed to by the Credit team, and reverting to the offshore team with any requests/ queries.
• Check/ complete due diligence on any amendment agreements, fee letters, limit loading certificates or other supporting docs, and ensure drawdown notices are within the terms of the Credit team and the agreement.
• Communicate with overseas teams or external lawyers to facilitate postage/ shipping of the original copies.
Business
• Provide quality support and advice to Relationship Managers (RM s) within all lending units on all documentation related matters, including the origination of documentation for customers where required
• To deliver excellent service and advice to our Corporate, Commercial & Institutional Banking ( CCIB ) Banking and Business Banking ( BB ) clients in all interactions.
Processes General
• Engage clients throughout process, ensuring seamless delivery and client experience
• Own and drive execution of processes, working closely with stakeholders and the value chain to deliver excellent client service, getting clients to the point of ready-to-transact as quickly as possible, across both simple and complex cases.
• Adheres to first-time-right principles
• Provide insight and suggestions to improving processes, identifying opportunities to streamline and automate. Looks at ways to promote standard work and best practices.
• Undertake ad-hoc duties and when delegated by Line Manager and Country Head of IMO
People and Talent
• Provide effective orientation/ guidance to new joiners on the bank s policies/ procedures/ processes to ensure their successful assimilation into the team and the bank
• Develop and implement a personal learning plan with team manager, to attain necessary competencies
• Successfully complete milestones as laid out in implemented personal learning plan
Risk Management
• Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role remit
• Comply with applicable Money Laundering Prevention Procedures and report any suspicious activity to the operational risk team and Line Manager
• Ensure a clear and uniform approach towards implementation of the global operating model for all OBL CRC and IMO-related processes, and adherence to DOIs
• Report any deviation (if any) to appropriate authorities and obtain proper dispensations
• Proactively manage risks and establish/ monitor controls to improve the overall state of the risk management and operating framework
Governance
• Ensure strong due diligence on document safekeeping and data confidentiality
• Ensure correctness of documentation prior to any dispensation from the Bank
• Ensure compliance with the internal policies and credit policies, external policies, regulatory and statutory requirements
• Undertake periodic self-assessment on key controls to assess the proper functioning and adequacy of existing controls
• Highlight significant issues/ errors to team leader
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group s Valued Behaviours and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Achieve the outcomes set out in the Bank s Conduct Principles: Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders Internal
• OBLM
• Country IMO Head, Client Delivery Managers and other Specialists
• GBO Hub teams and In-country CET teams
• Account Opening Teams
• Front Office (RMs, CMs, CCMs)
• Lending Documentation Unit
• Business Operational Risk Manager
• Transaction Banking (Trade, Security Services, and Cash Management) Implementation Managers
Other Responsibilities
• Embedding Here for good and the Group s brand and valued behaviours in the OBL CRC and the CRC Integrated Middle Office teams
• Performing other responsibilities assigned under Group, Country, Business or Functional policies and procedures
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Keyskills :
salesbankingcredit riskaccountsrisk controlbanking lawkeeping things simple