Relationship Manager

Job Description

Business Banking ( BB ) within Standard Chartered Bank aims to provide companies with turnover of up to US$50mio in Singapore a suite of product that meets their financing requirements.As a Relationship Manager, in addition to providing team support to your counterparts, you will be expected to actively develop the accounts within your own portfolio to meet and exceed quarterly sales targets as stipulated in the Quarterly Scorecard as well as ensure that relationships managed by yourself consistently comment on how amazing your service is.You must have, or be prepared to quickly demonstrate a keen understanding of:

• all the products available to the clients, including all cash management, loans, trade, investments, insurance, and hedging solutions;
• an ability to recommend and place the appropriate product to maximize the clients affinity to the bank;
• an ability to structure, articulate, and recommend alternative structures in the products above within cash and credit programs;
• how to appropriate price products and recommend adjustments based on credit and other risks;
• the relationships that you manage and positioning of those businesses that allow them to generate consistent profits
• an ability to place the full range of products across at least 20% of your customers.

Key ResponsibilitiesEnsure that you are adequately equipped to advise clients to deliver the premium service expected.

• Manage portfolio of client relationships within to ensure quarterly new revenue growth increases at the expected rate accorded to your seniority/ rank.
• Prospect and on-board new client relationships to grow the bank s revenue base, and include this relationship within your portfolio when you feel that there are further growth opportunities.
• Deliver the full range of the products available to clients and ensure that you are adequately equipped to advise clients in your delivery of the premium service expected.
• Ensure that there you abide strictly within the code of conduct expected of you within the bank, and demonstrate alignment with the values of the bank.
• Support your colleagues to jointly strive to grow the business to outperform as a team

Performance MeasuresTo achieve New Sales Revenue (NSR) targets through New-to-Bank client acquisitions, and active cross-selling of BB products

• To ensure delivering the targets for yourself in terms of NTB and New Sales submissions
• Manage portfolio of client relationships within your portfolio to grow revenue from the portfolio at a 50% compounded annual growth rate.

Portfolio MeasuresTo ensure complete compliance and quality of work that meets internal and regulatory requirements.

• Bank s interest must be protected at all times. Raise any risk concerns in writing immediately to seniors. Ensure Bank s is never at risk from your action, or inaction.
• Compliance with all the Bank s policies without any delays.
• To engage relationships to ensure that:
  • At least 40% of your relationships use SCB as their primary bank; and
  • At least 50% of your relationships use SCB as the secondary bank.
• To engage Product team to provide banking services at corporate and individual level. Drive cross product sales of all the Bank s products and services for corporate and personal level.
• On a reasonable basis, to revert to all customer queries within 1 business day.

Competencies

• Familiar customer due diligence processes including FATCA and CRS adherence.
• Familiar with working capital financing cycle and products for operating entities.
• Keen understanding of adherence to credit underwriting requirements.
• Knowledge of competitive environment in order to position Bank s products appropriately.
• Negotiation and closing skills.

Work Ethic

• Punctual at work and when visiting customers;
• Self-driven, self-motivated, and a pro-active approach toward resolving issues.
• Responsive, contactable and accountable to clients and internal stake holders.
• Team player ready to grow business, and ready cover team members duties as necessary.
• Appropriate dressing that must meet Bank s standards.
• Self-driven, self-motivated, and a pro-active approach toward resolving issues.

Our Ideal Candidate

• Bachelor s Degree
• Familiar with customer due diligence processes including FATCA adherence.
• Knowledge of competitive environment in order to position Bank s products appropriately.
• Familiar with basic mortgage financing principles including TDSR framework and applications.
• Familiar with basic working capital financing cycle and products for operating entities.
• Keen negotiation and closing skills.
• Knowledge and ability to determine and satisfy client needs and maintain a partnering relationship during engagements; includes influencing, communicating, presenting, facilitating, managing and developing others.
• Knowledge of organizational strategies, tools and techniques for understanding the needs of customers; ability to utilize these to create additional sales.

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Keyskills :
salesmarketinginsurancecustomer relationsbankingcode of conductproduct salesdue diligencecross sellingcash managementworking capitalcredit underwritingproduct differentiation