Jobs at Standard Chartered Bank

Job Description
• Overall responsibility for Origination and Client Coverage activities in the client sub segment.
• The RM would be responsible for Origination and would work closely as a team with the Credit Analyst and the Client Coverage Manager in deepening relationships and driving revenue growth.
• The Relationship Manager is responsible for post deal account maintenance and managing the risk associated with the portfolio. He/She has an overview on the Client Coverage Manager who holds direct responsibility for post transactional activities and the Credit Analsyt for credit related activities.            

Key Roles & Responsibilities

Origination

• Identify prospect and convert in line with Bank’s appetite.
• Ensure quality of the sales pitch and lead them with the clients. Also review the Term sheets before delivering to clients.
• Work with the Credit Analyst and obtain all pre-deal clearances.
• Effectively use the RM Workbench to manage the revenue pipeline and maintain records of client calls and discussions.
• Oversee the designated Client Coverage Manager to ensure smooth on-boarding of clients after thorough completion of documentation and other processes.
• Senior client calling and briefing on a regular basis for account maintenance and deal negotiation. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues.
• Actively drive cross sell of full range of Corporate & Institutional  Clients products and capture entire client value chain

Client on-boarding & deal execution

• Work closely with CA, product partners, GAM/FAM and analyze a) wallet size b) determine appropriateness of the product and c) work out a comprehensive account plan.
• Successfully negotiate and close out pricing and other deal dynamics with client
• Oversee the quality & turnaround of credit proposal and ensure faster delivery. Work with CA for resolving Credit queries.
• Oversee the CCM to ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
• Liaising with Legal/external counsel/CRC in preparation and execution of non standard complex transactions along with product partners.
• Work with CDD team to ensure proper completion of eCDDs.

Account Management & portfolio quality

• Along with the product partner, push for line utilization of complex and structured transactions. Oversee the CCM in ensuring high utilization of regular WC facilities.
• Review Failed Trade status, EAR, ASTAR CCRT, etc with the CA to ensure discipline and quality in portfolio
• Review the excess/past due situation with CCM to ensure they are regularized and also facilitate approvals wherever required.
• Review and monitor the client profitability to ensure there are no revenue leakages.
• Attend various internal or external sales/ non sales meetings like EAR, CAT, MTM calls, Portfolio Review Meeting and convene the consortium meetings where we are the lead bank.
• Maintain record of Confidentiality Agreement (Sales Team Leader to maintain file & copies will also be held by signatories to the agreement)
• Overall responsible and accountable for the credit quality of the assigned/acquired portfolio.

Qualifications & Skills

• Minimum of a 2nd Class degree in a relevant course.
• Strong sales and relationship management skills
• Good Communication and Interpersonal skills.
• Role holder is expected to have some knowledge and experience in offering a range of products to meet customers’ needs but is unlikely to have the full knowledge and experience to offer all Consumer banking products

In compliance with the National Youth Service Corps (NYSC) Act of 2004, all applicants should ensure that they have completed the mandatory NYSC programme. A discharge certificate will be required as evidence of completion of the programme. Where an exemption has been granted, a certificate of exemption will also be required

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Job Description
To deliver simply first class customer service and advice to our Wholesale Banking clients in all interactions for transactional enquiries, complaints, and other service-related issues.

• Responsible for serving as primary contact person for clients and SCB staff for advice, enquiries, complaints, etc.
• Deliver simply first class service against agreed service standards.
• As a Service Partner, work with RMs, Product Sales, Operations and other key internal stakeholders to solve client issues, identify opportunities and deliver the bank.
• Build relationships and rapport with key Platinum / Gold clients at the transactional / operational level.

Key Roles & Responsibilities

Client Service

• Primary point of contact for external clients for professional advice, enquiries, complaints, resolving of discrepancies and transactional errors
• Provide the highest standard of customer service in response to client enquiries and complaints, so as to create improved, lasting relationships with our clients
• Responsible for client satisfaction with service arrangements and delivery
• Work with internal stakeholders for service requirements, enquiries, and instructions
• Responsible for effective service recovery process through complaint logging, handling and timely resolution.
• Maintain a professional SCB image in all interactions with clients
• Continually identify opportunities to improve client efficiency / performance, through e.g. optimizing channel usage, identifying service improvements, product solutions, and cross-sell opportunities

Risk & Control

• Comply with all policies and process for customer identification and confidentiality.
• Comply with applicable Money Laundering Prevention Procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and Line Manager.
• Adhere to policies including escalation and compliance requirements, and follow any other relevant internal controls and procedures as they relate to process, products, policies and regulations.

Operational Excellence

• Assist in implementation of service and efficiency improvement initiatives in client service centre and facilitate transfer of best practice
• Provide operational support to clients within the PH regions to ensure seamless and efficient handling of their transactions.

Premier Clients Service

• Participate in the annual account planning with the RM and agree account service plan for the client.
• Deliver the service plan, including:
• Participating in annual Service Reviews with key clients. Reviewing service performance with the clients and generate ways to continuously improve service level standards
• On a selective basis, accompanying Wholesale Bank RMs on sales calls to sell our service capabilities and/or to resolve clients’ operational and service issues
• Leveraging on the VoC process and the relationship to understand client’s needs, and identify opportunities for improvements in service, product solutions, utilization and optimizing channel usage, up-selling and cross-selling etc.
• Making proactive calls on clients to improve the utilization level of facilities, increase transaction volume, identify opportunities for channels and referrals for the business
• Build trusted partnerships with clients at the daily transactional / operational level

Qualifications & Skills

• Minimum of a 2nd Class degree in a relevant course.
• Minimum 5 years banking experience
• Good knowledge and understanding of cash and trade products
• Organized and detail orientated
• Computer literate with the ability to learn customer service software applications
• Effective interpersonal and communication skills
• Good questioning skills
• Good analytical and problem solving skills
• Able to recognize basic styles of customer behaviour and how to adapt each style to create positive ‘chemistry’
• Able to identify and manage both transactional and operational risks
• Ability to work under pressure
• Intermediate level product/processes knowledge
• Sound corporate banking operations experience including channels an advantage