Relationship Manager

• To execute and deliver towards the growth of Business Banking Medium Enterprises in line with Group’s strategies.

• Achieve individual financial and non-financial targets while contributing towards team’s overall deliverables through:

• effectively generating new business – identify prospects and convert in line with the Bank’s appetite
• strategically formulating account plan – provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions
• proactively building trusted client relationships – maintain a portfolio of active and growing customers
• Market and sell broad range of products including trade service, cash management, treasury and investment
• Build and expand existing client relationships through pro-active contact, account planning, wallet sizing and effective pipeline management.
• Identify and prioritize activities to maximize revenue contribution from allocated client portfolio.
• Provide advice on potential financial solutions based on identified needs
• Origination and structuring of deals based on client needs jointly with product partners as appropriate
• Consult and recommend strategies where account management or recovery is needed on problem accounts, assisting credit in identifying sources from minimizing loan losses
• Work effectively across geographic borders with customers to deepen relationships with the Bank.
• Generate creative ideas on customer acquisition and products/ services
• Regularly feedback to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products
• Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct

• Completion of Account plan and securing requisite approvals;
• Ongoing scrubbing of limits to ensure they are necessary and structured so as to use RWAs efficiently;
• Maintaining a catalogue of all limits (actual and proposed) and their rationale / use liaising with FAMs across the SCB network as needed if applicable.

• Timely and accurate completion of BCA
• Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy
• Ownership of documenting Parental Support, where applicable;
• Completion of ESRA, GWWR and A&S (FM suitability) assessments;
• Preparation of Raptor;
• Proposing Covenants and Risk Triggers, in discussion with Credit Analyst teams and Risk;
• Ensuring coherence of entire BCA package (including part II), jointly with Credit Analysts;
• Liaising with Credit colleagues post submission to expedite turn around times.

• Taking the lead in executing documentation with clients, in partnership with LDU and/or external counsel where appropriate;
• Maintaining a catalogue of all documents held for portfolio clients (facility, security and related);
• Ensuring all documentation remains current, including through the proposing and management of DDWs where necessary;

• Partner COBAM in ensuring all CDD and related policies and procedures are followed;
• Completion of Sanctions questionnaires, RRRC submissions and similar, liaising with the client as necessary
• The role will be accountable for minimising all Astar overdue and expired items, as well as for reporting requirements around Astar items (particularly Early Alert names).
• The role holder will be accountable for all Excess and Past Due management and related governance
• Monitor and release offerings on Client trade transactions where applicable

• Support continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• 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.
• 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.
• Follow and comply with AML CDD policies and procedures where applicable
• Ensure internal / external KYC requirements are adhered to
• This role encompasses the processes under the ORF such as Client Due Diligence, On-boarding and Account Management, Static Data Monitoring, Credit and Credit Monitoring and Client Offboarding.

• Embed the Group’s values and culture
• Coach peers and more junior staff as appropriate
• Partner effectively with internal stakeholders to deliver effective client solutions

• 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 (as is applicable):
• Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
• Client Due Diligence & Related Periodic Reviews
• Client Suitability Standards
• Treating Customers Fairly
• Approval & review of Credit Applications
• Maintain Documentary standards
• Data Confidentiality
• Cross-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 form part of the culture
• Engage with all audit report findings and ensure feedback is acted upon

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

• Internal – Credit, CRC, ITO, COBAM, Operational Risk, GIA, Legal, Compliance
• External - Clients, Lawyers and Valuers

• Embed Here for good and the Group’s brand and values
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
• Work effectively across SCB, using values behaviours to drive overall business growth

• Product
• Relationship Management
• Sales - Prospecting
• Sales – Account Planning
• Sales – Client Pitching
• Risk & Compliance
• Credit Risk

• 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

• 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.

Standard Chartered