Associate Director RM TASC

Job Description

The Role ResponsibilitiesBusinesso Achieve individual financial and non-financial targets while contributing towards team s overall deliverables through:1. effectively generating new business identify prospects and convert in line with the Bank s appetite2. strategically formulating account plan provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions3. proactively building trusted client relationships maintain a portfolio of active and growing customers4. Market and sell broad range of products including trade service, cash management, treasury and investment5. Prepare credit proposal and loan application of customers; prepare annual review on timely basis6. Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy7. Implement agreed business plan to achieve sales/ revenue targets8. Generate creative ideas on customer acquisition and products/ services9. Regularly feed back to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products10. Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conductProcesseso Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.o 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.o 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.o Conduct regular and timely customer due diligence (CDD) reviewso Ensure CDD profiles are error free for timely sign offo Follow and comply with AML CDD policies and procedures where applicableo Identify KYC issues, provide solution or escalate to line manager if necessaryo Ensure internal / external KYC requirements are adhered to AML CDD policies and procedureso Timely handling of customer issues, complaints, and product enquiries in accordance with established proceduresRisk Managemento 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.o 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).o 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.o 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.o Do what is right in order to avoid reputational risks and operational lossesGovernanceo 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 ReputationEnsure adherence with the following Regulatory Compliance policies and processes (as is applicable):1. Anti-Money Laundering (AML) and all applicable money laundering prevention procedures2. Client Due Diligence & Related Periodic Reviews3. Client Suitability Standards4. Treating Customers Fairly5. Approval & review of Credit Applications6. Maintain Documentary standards7. Data Confidentiality8. Cross-Border Policy9. Sanctions10. Environmental and Social Risk Management (ESRM)11. Anti-Bribery and Corruption (ABC)12. 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 culture13. Engage with all audit report findings and ensure feedback is acted uponRegulatory & Business conducto Display exemplary conduct and live by the Group s Values and Code of Conduct.o 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.o Lead the Business to achieve the outcomes set out in the Bank s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.*o Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Key Stakeholders Internalo Colleagues in RB and CDD teams, Product, Risk, Compliance and other support Functions and BusinessesExternalo Key clientsOther Responsibilitieso Embed Here for good and the Group s brand and valueso Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedureso Work effectively across SCB, using values behaviours to drive overall business growthOur Ideal Candidateo University Graduateo Minimum [4] years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a pluso Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigationso Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environmento Knowledge of operational procedures, documentation requirements, banking practices and regulations related to retail bankingo Firm in all business guidelines and compliance issueso Sound knowledge of financial markets and investment productso Outstanding communication and presentation skills,

Keyskills :
xcellent financial analysis skills