Job Description

Roles and Responsibility
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.

Key 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

• Digitalize all the NTB/ETB accounts of portfolio so that all clients can be activated to S2B platform
• Meeting client time to time and check customer performance, discuss debtors stretch and probability of enhancement and other required products.
• Ensure to have OPAC (Operating Account) criteria satisfied, for example, Quarterly Churning in accounts, Tracking HV transactions and informing client time to time if churning not routing through us. In case of multiple banking proportionate churning to be checked.

Business

• Responsible for Revenue resulting from the sale of working capital products from NTB and ETB clients and achieve the Business Targets month on month.
• NTB clients to onboard where there is a scope of Trade and Bundles FX
• Handling a small portion of Liability Accounts wherein the Revenue through FX, Balances and cross sell to be made

Processes

• Daily Annotation of the transaction as per the DOI, Respond on Transaction Monitoring, SAR, RFI , CDD actionable timely closure within TAT. No pendency.
• Review and closure of ASTAR items, covenants, deferrals, Pending Documents with in TAT

People and Talent

• Ensure no overdue and all covenants like Stock and Book Debt Statement/Stock Audit/NPA reporting / Exchange of Information in case Multiple Banking complied with

Risk Management

• Daily Past due, DPD, Access to be checked daily basis. Action on the excess, Overdue DPD accounts, Renewals of the accounts to be done in timely or any extension required then prior to BCA expired approvals to be taken , Fx Past due and MTM/Grading and actionable as per GPN and comply as per the country regulatory.

Governance

• 100% commitment to code of conduct
• Timely completion of mandatory e-learning\xe2\x80\x99s

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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

• Business/Product/CI/CRC

Our Ideal Candidate

• Graduate
• Proven strong track record in Sales
• Minimum of 5 years of experience in SME lending space
• Possess in depth knowledge in relevant Business Banking functions
• Dedicated and committed team player with ability to work independently
• Strong interpersonal and communication skills

Role Specific Technical Competencies

• Business \xe2\x80\x93 Market Knowledge
• Business \xe2\x80\x93 SME Lending Products and Processes
• Credit \xe2\x80\x93 Understating of Reading Financials

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 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.

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