Job Description

Job : Retail Banking
Primary Location : Asia-India-Nagpur
Schedule : Full-time
Employee Status : Permanent
Posting Date : 29/Aug/2023, 8:24:26 AM
Unposting Date : 08/Sep/2023, 5:59:00 PM


The Role Responsibilities Job Purpose: This role is within Business Banking for credit assessment of new / existing cases sourced by the Relationship / Portfolio Managers

• Structuring deals for Agri Enterprises and providing suitable offerings
• Putting up the Limit Application in credit mate for the processes and liaise with the Customer and getting a sound understanding of his business
• Resolution of credit queries, if any
• Ensuring disbursal documentation compliance.
• Work in close co-ordination with people in operations at team CRC/ SME Ops to ensure disbursal of the cases in time.
• Analysing customers Balance Sheets periodically and putting up cases for renewal and ensuring that renewals are correctly prepared in accordance to group standards
• Ensuring timely renewals of Business banking loans and documentary compliance
• Day-to-day monitoring of MIS and control of the relationships i.e. accesses, deferrals, past dues overdue reviews etc.

Responsibilities

• Provide support to achieve Annual Business Plan through quick turnaround of NTB proposals and new deals. Evaluate all deals in terms of appropriate balance between reward and risk.
• Maintain thorough oversight on all credit aspects of assigned portfolio and proactively highlight risks
• Timely and accurate performance of credit reviews and adherence to all aspects of policy and procedure
• Accounts appearing ASTAR closure within TAT with the help of RM.
• Full adherence to Credit Admin Framework and all related aspects.
• Adopt Early Warning System to strengthen risk monitoring
• Assist with co-management of stressed accounts with Collection to reduce impairments and strengthen recovery effort
• Embed usage of Early Warning System and implement all aspects of Credit Admin Framework. All approvals under CAF, CB Business Delegations, CIAP etc to be taken accurately and in timely fashion
• BCA Quality: Number of Credit reverts to be kept to a minimum, no more than 1 refer back per BCA
• Co-management of collection accounts to commence
• Downgrade to Collection accounts< 90 days in EAR to be Nil
• Ensure overall audit grade satisfactory
• Portfolio Control : Overdue BCAs to be maintained within 5% threshold
• 100% commitment to code of conduct
• Timely completion of mandatory e-learning\xe2\x80\x99s

Strategy

• This role is within Business Banking for credit assessment of new / existing cases sourced by the Relationship / Portfolio Managers

Business

• Work in close co-ordination with people in operations at team CRC/ SME Ops to ensure disbursal of the cases in time.
• Analysing customers Balance Sheets periodically and putting up cases for renewal and ensuring that renewals are correctly prepared in accordance to group standards

Processes

• Ensuring timely renewals of Business banking loans and documentary compliance
• Day-to-day monitoring of MIS and control of the relationships i.e. accesses, deferrals, past dues overdue reviews etc.

People & Talent

• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners

Risk Management

• Accounts appearing ASTAR closure within TAT with the help of RM.
• Full adherence to Credit Admin Framework and all related aspects.
• Adopt Early Warning System to strengthen risk monitoring
• Assist with co-management of stressed accounts with Collection to reduce impairments and strengthen recovery effort

Governance

• Responsible for assessing the effectiveness of the group \xe2\x80\x98s arrangements to deliver effective governance, oversight and controls in the business and if necessary, oversee change in the areas.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group\xe2\x80\x99s 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.
• Lead the team to achieve the outcomes set out in the Bank\xe2\x80\x99s Conduct Principles. Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• BB RMS \xe2\x80\x93 Agri & BWC
• Central Team \xe2\x80\x93 Agri & BWC
• CI Team
• Policy Team
• CRC/Ops

Other Responsibilities

• Embed Here for good and group\xe2\x80\x99s brand and values in India \xe2\x80\x93 Business banking team
• Perform other responsibilities assigned under group , country, Business or functional policies and procedures.
• Multiple functions (double hats)

Our Ideal Candidate

• Graduate plus

Role Specific Technical Competencies

• Computer proficiency

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 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
• 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 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 www.sc.com/careers