About Standard Chartered
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. The Role Responsibilities
Work with GAM and FAM teams to improve the management of limits and exposures across geographies; conduct comparative analysis of risk vs.
return using portfolio data and provide recommendations for optimizing portfolios and use of capital;
Conduct periodic portfolio reviews of assigned segment / industry to assess creditworthiness and initiate ad hoc reviews for clients that are subjected to adverse news or vulnerable to specific economic, market or regulatory events;
Coordinate and conduct Stress Tests and portfolio review exercises for periodic check on the health of the portfolio;
Preparation of other analysis, such as Industry specific reviews, portfolio reviews, etc.
Ensure zero BCA / credit review over dues and work to minimize extensions;
Handle and monitor all other risk-related matters.
Oversee the quality and turnaround of BCA preparation.
Coordinate regional / global efforts to ensure compliance with BCA / GM renewal policies, CaRT and other credit administration processes;
Manage the credit change process globally across teams when credit policy changes are enacted, analyze gaps and propose solutions that optimize execution;
People and Talent
Oversee CA team across geographies and ensure workload balance per CA
Responsible for the career development and trainings of CAs
Embed the Group’s values and culture. Develop people culture which encourages, and champions change among employees in the daily workplace
Continually strive to share key relevant knowledge and learning’s (lessons learnt from recent transactions / credit events)
Publish metrics to demonstrate quality and timeliness on credit work
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.
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).
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.
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.
Do what is right in order to avoid reputational risks and operational losses
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 Reputation
Ensure adherence with the following Regulatory Compliance policies and processes (where applicable) : Anti-Money Laundering (AML) and all applicable money laundering prevention proceduresClient Due Diligence & Related Periodic ReviewsClient Suitability StandardsTreating Customers FairlyMaintain Documentary standardsData ConfidentialityCross-Border Policy Sanctions Environmental and Social Risk Management (ESRM)Anti-Bribery and Corruption (ABC)
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 to form part of the culture
Engage with all audit report findings and ensure feedback is acted upon
Regulatory & Business conduct
Display exemplary conduct and live by the Group’s 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 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.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders Internal :
Commercial, Corporate & Institutional Banking colleagues : CCIB Head, RMs, CCMs, R&C Team
Colleagues in Product, Risk, Compliance, HR, Finance and other Functions and Businesses
External : Key Clients
Relevant external parties (e.g. regulatory bodies, industry bodies)
Our Ideal Candidate
Minimum of bachelor or master’s degree in finance or Banking
Minimum 5 years of relevant experience in accounting and financial principles
Direct experience in assessing the credit risk of large segment dependent
Team management and motivation
Strong financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
Sound product knowledge on transaction banking, hedging, ecosystem, cash management, 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, Corporate & Institutional Banking
Credit skills to guide in approval and portfolio management processes, implementation knowledge, relationship management and sales skills
Firm in all business guidelines and compliance issues
Outstanding communication and presentation skills