Executive Director, Lending Solutions GCNA, PvB

Standard Chartered; Hong Kong; On-site; HKD 800,000 - 1,200,000; Full time

Job summary

Standard Chartered Bank seeks a Private Banking lending professional to lead and assist in providing bespoke financing solutions for ASEAN clients across key markets. You will assess risk, structure loans, and propose client-centered solutions to diversify wealth while upholding the bank's risk framework.

Responsibilities include leading lending strategy for PvB locally and globally, originating deals with a client-centric approach, engaging with relationship managers and clients, and helping to

Qualifications

• Education: tertiary level background with financial focus.
• Formal training in financial analysis and modeling.
• Strong command of English and Chinese languages may be beneficial.

Responsibilities

• Lead and support lending strategy for Private Banking (PvB) locally and globally.
• Actively originate lending deals by providing client-centric solutions to ASEAN clients.
• Engage with RMs and clients to market lending products and strengthen relationships.
• Close new lending deals and contribute to PvB budget and targets.
• Ensure risk considerations are integrated into every lending proposal and decision.

Skills

Financial and Fundamental Analysis

Structuring of financing deals

Education

Tertiary education

Financial Analysis and Modeling training

Job description

Job Summary

To lead and assist in providing lending solutions in the Private Banking, across all the key footprint markets of Standard Chartered Bank for the ASEAN segment. In essence, to proactively propose bespoke financing solutions in meeting the requirements of our Private Banking clients, including helping to diversify and build their personal wealth. On the other hand, keeping an analytical view and assessment on the underlying risks whilst proposing mitigations to address such risks and upholding the values of Standard Chartered Bank.

• To lead and support lending strategy for the PvB locally and globally


• Actively originating lending deals by providing client-centric lending solutions to the Private Banking, ASEAN clients. As the first line of defence, to ensure sufficient risk management.


• To enhance the understanding of lending by actively engaging with RMs and clients and market our lending products.


• Contribute to the team and overall PvB budget by actively closing new lending deals expeditiously.

Job Summary

To lead and assist in providing lending solutions in the Private Banking, across all the key footprint markets of Standard Chartered Bank for the ASEAN segment. In essence, to proactively propose bespoke financing solutions in meeting the requirements of our Private Banking clients, including helping to diversify and build their personal wealth. On the other hand, keeping an analytical view and assessment on the underlying risks whilst proposing mitigations to address such risks and upholding the values of Standard Chartered Bank.

Strategy

• To lead and support lending strategy for the PvB locally and globally


• Actively originating lending deals by providing client-centric lending solutions to the Private Banking, ASEAN clients. As the first line of defence, to ensure sufficient risk management.


• To enhance the understanding of lending by actively engaging with RMs and clients and market our lending products.


• Contribute to the team and overall PvB budget by actively closing new lending deals expeditiously.

Business

• To lead the analysis and assessment of bespoke financing trades with a balanced risk vs reward view. This would include analysing and evaluation of the underlying company from both a fundamental and technical level, transaction structure as well as trade economics.


• Actively engage senior stakeholders (both Business in Risk) on transactions and origination efforts.


• Achieve team and individual financial targets as assigned.


• Prepare appropriate client proposals, pitchbooks, industry updates


• Track market and general financial and economic developments


• Proactively identify and spear head initiatives / projects to enhance PvB lending product offering / platform


• Formulate strategy to grow the lending business for ASA region


• Collaborate with frontline, other support functions, business partners, and product specialists to deliver One Bank and provide effective client solutions.

Key Responsibilities

• Support the delivery of the Private Bank business’ short and longer-term objectives.


• Ensure timely turnaround in tasks or u on-hand including enquiries from RMs and clients, ongoing reviews of existing accounts


• Support the team in annual renewal cases / reviews


• Meet clients and tailor lending solutions based on clients’ needs and bank’s risk appetite

Processes

• Support RMs in the credit process and perform tasks as per Global LST Rules of Engagement


• Take responsibility to comply with internal policies, procedures, codes and applicable external laws and regulations.


• Get involved and lead some of the development as part of the credit process upgrades

People & Talent

• Provide leadership / guidance to junior members of the team to improve their skillsets (technical or otherwise)


• Develop and groom junior members of the team into the future leaders and ensure contingencies in place (in terms of leadership).


• Help employ, engage and retain high quality people through providing guidance, empowerment, mentorship and constant feedback sessions

Risk Management

• Do what is right in order to avoid reputational risks and operational losses


• Gain thorough understanding of risk and control environment and drive rectifications as required.


• Ensure effective implementation of Risk Management framework in the team (risk appetite is clear and integral to the strategy with appropriate controls, and having effective processes in place to identify, manage, monitor and report risk


• Ensure systems and procedures are in place to safeguard the security, integrity and confidentiality of information

Governance

• Ensure that systems and controls are adequate and 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 (i) adherence to and (ii) team receives prompt and regular training on: the following Regulatory Compliance policies and processes (both on-shore & offshore, as is applicable) including but not limited to Treating Customers Fairly, Suitability, KYC, AML, CDD, AOD, AML, sanctions laws and terrorist financing, regulations, rules and standard business practices.


• Ensure adherence with the highest standards of ethics and compliance with relevant policies, processes and regulations.

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.


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

Key stakeholders

• Global Head of Lending Solutions, Affluent Client


• Regional Head of GCNA


• Market Heads Private Bank (for ASEAN)


• Senior Credit Officers and Senior Credit Managers for Private Banking

Other Responsibilities

• Embed Here for good and Group’s brand and values in Singapore / Private Bank; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Skills And Experience

• Financial and Fundamental Analysis


• Structuring of financing deals

Qualifications

Education Tertiary

Training Financial Analysis and Modeling

Languages English and Chinese

Competencies

• Action Oriented


• Collaborates


• Courage


• Customer Focus


• Decision Quality


• Develops Talent


• Drives Vision & Purpose


• Gives Clarity & Guidance


• Instills Trust


• Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements


• Strategic Mindset


• Nimble Learning


• Manages Ambiguity

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've 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 you're 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 can't 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, you'll 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

Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer

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 leave, parental/maternity (20 weeks), sabbatical (12 months 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.