Opportunity for Associate Director

Job Description

Business/ strategy
• To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable commercial banking customers within acceptable risk parameters.
• Contribute toward achieving team s overall target and delivering optimal portfolio return.
• Collaborate and build effective partnerships with other rms, team leaders, segment heads, as well as colleagues in cdd teams and partners in risk, compliance, other support functions, and product
• Identify, market and onboard new-to-bank names for liability business, targeting operating current accounts across target client base of mid sized and large local corporates
• 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 client s 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
• Assist in preparing credit proposal and loan application of customers; prepare annual review on timely basis
• Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing ear / credit policy
• Implement agreed business plan to achieve sales/ revenue targets
• 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
Risk management / processes/ governance
• 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
Business
• Contribute toward achieving team s overall target and delivering optimal portfolio return.
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.
• Conduct business in a manner to achieve the outcomes set out in the bank s 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
• Collaborate and build effective partnerships with other rms, team leaders, segment heads, as well as colleagues in cdd teams and partners in risk, compliance, other support functions, and product
Our ideal candidate
• University Post Graduate / CA
• Minimum [5] years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus
• Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
• Sound product knowledge on trade, cash, lending and 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 banking
• Firm in all business guidelines and compliance issues
• Sound knowledge of financial markets and investment products
• Outstanding communication and presentation skills
Role specific technical competencies
• CA/ MBA
About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 160 years, weve 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 youre 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 cant 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, youll 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 youve 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.

Keyskills :
cash managementrisk managementfinancial analysisfinancial marketscustomer relationscompliance