Associate Director, Medium Enterprise, SME Banking

STANDARD CHARTERED BANK (SINGAPORE) LIMITED; Singapore; On-site; SGD 90,000 - 140,000; Full time

Job summary

STANDARD CHARTERED BANK (SINGAPORE) LIMITED is seeking an experienced Relationship Manager to drive growth in the SME/Commercial Banking segment. You will acquire new-to-bank clients, expand an existing portfolio, and deliver profitable revenue within the bank’s risk appetite.

The role requires strong credit assessment and financial analysis capabilities, plus knowledge of Trade, Cash Management, Lending, FX and Wealth products.

Qualifications

• 5+ years of SME/Commercial Banking experience with a track record of acquiring and managing SME clients.
• Strong credit assessment and financial analysis capabilities.
• Knowledge of Trade, Cash Management, Lending, FX and Wealth products is a plus.

Responsibilities

• Grow and retain a portfolio of profitable Medium Enterprise clients within risk appetite.
• Collaborate with Credit Analysts, Team Managers and Segment Heads to structure credit facilities.
• Prepare credit proposals and annual reviews, ensuring adherence to EAR/credit policy.
• Drive cross-sell of Trade Services, Lending, Cash Management and Wealth products.

Skills

Relationship management

Financial analysis

Credit evaluation

Regulatory compliance

New-to-bank acquisition

Stakeholder management

Job description

Job Summary

• Achieve agreed financial and non-financial targets by acquiring, growing and retaining profitable Medium Enterprise customers within risk appetite, supporting the One Bank strategy.
• Contribute toward achieving team's overall target and delivering optimal portfolio return.
• Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, as well as colleagues in CDD teams and partners in Risk, Compliance, other support functions, and Product.

Key Responsibilities

Client Growth, Portfolio Returns and Risk Management

• 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 clients 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 Services, Lending, Cash Management and Wealth
• Prepare 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
• Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct.
• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• Follow and comply with AML CDD policies and procedures where applicable. Identify KYC issues, provide solution or elevate to Line Manager if necessary
• Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
• Timely handling of customer issues, complaints and product enquiries in accordance with established procedures.
• 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.

Our Ideal Candidate

• 5+ years experienced SME/Commercial Banking professional with proven success in acquiring and managing Medium Enterprise clients.
• The ideal candidate should have a strong track record of new-to-bank client acquisition, portfolio growth, and delivering sustainable revenue within the bank's risk appetite.
• They should possess solid credit assessment and financial analysis capabilities, coupled with strong knowledge of Trade, Cash Management, Lending, FX, and Wealth solutions.
• Excellent stakeholder management, relationship-building, and regulatory/compliance awareness are essential to drive client success and portfolio quality.

Role Specific Technical Competencies

• New-to-bank client acquisition and relationship management within SME, Commercial, or Corporate Banking.
• Financial analysis, credit evaluation, and structuring of lending solutions.
• Trade Finance, Cash Management, Lending, FX, and Wealth products.
• Banking operations, credit policies, documentation, and regulatory requirements.
• KYC, AML, CDD compliance, and risk management frameworks.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What we offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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