Job
: Institutional Banking
Primary Location
: Africa & Middle East-United Arab Emirates-DubaiSchedule
: Full-timeEmployee Status
: PermanentPosting Date
: 06/Mar/2022, 10:42:53 PMUnposting Date
: 21/Mar/2022, 5:29:00 AMAbout 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
- The RM is responsible for ongoing account maintenance, including servicing existing products/ facilities for assigned portfolio.
- The RM is accountable for managing the credit / risk related activities associated with the portfolio
- The RM is responsible for conducting all necessary governance / monitoring activities (ongoing and post-transactional).
Account Management / Origination support
- Deliver revenue by servicing of existing products/ facilities for assigned portfolio
- Service trade and working capital facilities
- Own client meeting preparation and execution/logistics, where required
Process / Governance
- Manage “back-book” of existing term facilities until repayment
- Negotiate / execute client documentation
- Carry out portfolio monitoring activities (e.g. Account activity reviews, RFIs etc)
- Undertake tail management / off-boarding
Risk Management
- Prepare credit papers / BCAs for credit facilities
- Own periodic credit reviews and ongoing risk monitoring (e.g. excess and past dues, CaRTs, EA, ASTAR)
- Request necessary information from clients to complete periodic CDD reviews
- Resolve documentation issues (discrepancies, waivers, collateral shortfall)
- Inform clients of relevant changes to regulations
- Be proactive in ensuring compliance with Bank policies and procedures and lead preparation of client files for audit purposes
Processes
- Ensure adherence to all internal/regulatory policies & regulations
- Co-ordinate with Ops/GSSC to rectify any ops related issues which can be resolved locally and issue Standard Instruction Form (SIFs) wherever required within authority
Regulatory Outreach
- Own regulatory outreach (informing clients of new regulations; requests for additional data for AML/ sanctions/ FATCA compliance etc
ETB Onboarding
- Continue new account onboarding for existing clients, if required
- NB No prospecting activities
BCA & Credit Monitoring
- Continue managing BCA reviews and credit monitoring activities
Off-boarding
- Continue owning client off-boarding; supported by IMO/Ops
Commercial/ Relationship Outreach
- Stop active outreach/ origination/ cross-sell activities; passive support only
CDD, ESRA, FM Appropriateness
- Portfolio RM to own CDD, ESRA and FM Appropriateness review activities for their clients; supported by IMO where applicable
Governance
- Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas
- Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
- Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
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.
- Support the team 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.
- Adhere to local regulator [CBK] prescribed responsibilities and Rationale for
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Own 1st line risk oversight (financial crime, sanctions, fraud etc)
- Support internal audits and regulatory audits
- Proactively track and follow-up on regulatory / compliance issues
- Escalate issues internally as needed (e.g. to CFCC, Credit Risk)
Key Stakeholders
Internal:
- Product partners for designated portfolio
- Key functional partners ie IMO, Credit, MDU, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Marketing
External:
- Clients (including at senior level) / Trade associations, etc
- legal firms
- Accountants etc
Other Responsibilities
- Embed Here for good and Group’s brand and values in the Team.
- Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
Our Ideal Candidate
- A Degree in Business/Commerce/Economics is preferred however a degree in a science or other related field where analytical skills are gained is acceptable.
- Experience as a Relationship Manager in a Corporate Banking is preferred
- Risk & AML certified as stipulated by Bank policy for Relationship manager
- Languages: English and/or local language skills as relevant to country requirements
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