Associate Director, Medium Enterprise, SME Banking

Standard Chartered; Singapore; On-site; SGD 120,000 - 190,000; Full time

Benefits offered by this job

Fair Pay Charter

Flexible working

Unmind wellbeing platform

Learning and development

Insurance and retirement benefits

Job summary

Standard Chartered is seeking an experienced Senior Relationship Manager for SME/Commercial Banking in Singapore. You will acquire, grow, and retain profitable clients, manage credit proposals, and drive portfolio returns while complying with AML/CDD policies.

You will collaborate with Credit Analysts, Risk, and Product teams to deliver tailored banking solutions and maintain high standards of ethics and client service.

Qualifications

• 5+ years SME/Commercial Banking experience.
• Strong credit assessment and financial analysis skills.
• Proven track record in acquiring and growing SME/Commercial clients.
• Excellent stakeholder management and regulatory awareness.

Responsibilities

• Achieve individual financial and non-financial targets while contributing to team deliverables.
• Generate new business by identifying prospects and converting in line with appetite.
• Form account plans, provide needs-based credit facilities, and execute banking transactions.
• Build trusted client relationships and actively manage a growing portfolio.
• Market and sell Trade Services, Lending, Cash Management and Wealth products.
• Prepare credit proposals and loan applications; conduct annual reviews.
• Collaborate with credit teams to ensure quality lending decisions and AML/CDD compliance.
• Ensure adherence to AML, CDD and KYC requirements; address issues timely.
• Maintain professionalism and uphold ethics and group conduct; drive process efficiency and risk management.

Skills

Relationship management

Credit assessment

Financial analysis

Regulatory awareness

Stakeholder management

Job description

• 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 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 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.
Visit our careers website to learn more about us: www.sc.com/careers .

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