Senior Relationship Manager, Medium Enterprise, SME Banking

STANDARD CHARTERED BANK (SINGAPORE) LIMITED; Singapore; On-site; SGD 70,000 - 110,000; Full time

Job summary

STANDARD CHARTERED BANK (SINGAPORE) LIMITED is seeking a Relationship Manager to grow and manage a portfolio of Medium Enterprise clients across Singapore. You will identify opportunities, structure credit facilities, and deliver tailored banking solutions.

You will collaborate with Credit Analysts, Risk, Compliance, and product teams to ensure sound lending decisions while upholding the bank's brand promise.

Responsibilities

• Acquire, grow, and retain profitable Medium Enterprise customers within acceptable risk parameters.
• Contribute towards achieving the team's overall target and delivering optimal portfolio return.
• Collaborate with Relationship Managers, Credit Analysts, Team Managers, Segment Heads, as well as Risk, Compliance, and Product teams.
• Achieve individual financial and non-financial targets while delivering sales and revenue targets.
• Prepare credit proposals and loan applications; conduct timely annual reviews and ensure quality lending decisions.
• Implement the business plan to achieve growth and maintain high professional standards in client engagement.

Job description

Job Summary

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.

Key Responsibilities

Purpose

• To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters.
• Contribute towards 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.

Business

• Achieve individual financial and non-financial targets while contributing towards the team's overall deliverables.
• 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.
• Generate creative ideas on customer acquisition and products/ services.
• Regularly feedback to Team Manager and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes.
• Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct.

Processes

• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
• Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis - incorporating infrastructure requirements and ensuring that they are fit-for-growth.
• Conduct regular and timely customer due diligence (CDD) reviews.
• Ensure CDD profiles are error free for timely sign off.
• 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.

People and Talent

• Embed Here for good and the Group's brand and values.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Work effectively across SCB, using values behaviours to drive overall business growth.

Risk Management

• Abide by appropriate frameworks to guarantee that business is carried out within the Group's risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
• Abide by the Group's values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes, and regulations among employees.
• Ensure that Risk Management matters that are brought to the job holder's attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
• Do what is right to avoid reputational risks and operational losses.

Governance

• Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, stan