Associate Director, Liabilities

Job description

Job Description - -------------- **Job Summary** **Business/ Strategy** * To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Commercial Banking customers within acceptable risk parameters. * Contribute toward achieving team's overall target and delivering optimal portfolio return. * Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product * Identify, market and onboard New-To-Bank names for liability business, targeting operating current accounts across target client base of mid sized and large local corporates * 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 service, cash management, treasury and investment * Assist in preparing 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 feed back to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products * Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct **Risk Management / processes/ governance** * 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 in order to avoid reputational risks and operational losses **Key Responsibilities** **Strategy** * As above **Business** * Contribute toward achieving team's overall target and delivering optimal portfolio return. **Processea** * As above **Risk Management** * As above **Governance** * As above **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. * Conduct business in a manner 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. **Key stakeholders** * Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product **Other Responsibilities** * Embed Here for good and Group's brand and values -- additional responsibilities as may be needed to complete role requirements **Skills And Experience** * Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations * Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment * Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking * Firm in all business guidelines and compliance issues * Sound knowledge of financial markets and investment products * Outstanding communication and presentation skills **Qualifications** * University Post Graduate / CA * Minimum 5 years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus **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 b