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Relationship Manager: Pro-actively establishes, develops and maintains a portfolio of the portfolio of SME customers as well as also responsible to sell the bank’s existing products to existing and potential clients to generate revenue for the Bank through professional management under the broad direction of SCB policies, but with the prescribed credit responsibility and accountability. Two broad purposes: * Risk Management: preparation of Business Credit Applications (BCAs) and Credit Monitoring and Housekeeping. * SRM/Unit Head Support: maintain and exercise control over respective SRM/Unit Head portfolios, and provide sales support.

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Key Roles and Responsibilities

*Generate potential client leads and convert into profitable customers. *Prepare Business Credit Applications including the front and operational sheets, financial analysis, risk analysis, industry analysis, financial spreads and projections and credit risk grades for the renewal of facilities extended to current relationships as well as to initiate new relationships within business unit’s target market, ensuring that new relationships or ongoing requirements of existing clients attain maximum revenue within acceptable risk profile requirements by carrying out detailed financial analysis of the client accounts and develops proposals within defined Bank procedures that meet the client needs. Further adopts appropriate relationship management strategies to protect the Bank’s interests at all times, e.g., potential default, and to meet the clients’ expectations of the relationship. *Markets to existing and potential clients the full complement of products and services offered by the Bank, including Treasury, Personal Banking and International Private Banking and promotes within Standard Chartered Group opportunities by referring potential relationships to other countries in order that SCB may benefit on a Group basis. *Cross – selling of bank’s products through joint calling with product partners. Periodically review of Accounts as per Customer Due Diligence policy to ensure that current CDD review has been submitted to ASU with complete Annexure/checklist and uploaded in system. *Provide support to SRM/Unit Head in review of Daily & Monthly AML and Excess Report. *Keep Up-to-date Credit Files of each client. Produce clear account plans linked to the SME Business strategy and ensure one call to each client per quarter. Ensure timely/periodically property valuation. *Monitor and manage risk on an ongoing and proactive basis. This is through the monitoring of risk triggers, covenants / approvals conditions and report any breaches. *Achieve a sound understanding of the dynamics and risks of the economy and industries in which the clients operate. *Identify, report and act upon materiel risks proactively and ensure customers at high risk of default are identified and raised on Early Alert Forum (EAR meetings) in time to take corrective actions. *Identifies potential defaulting and investigates through closer management of the account cause for concern and recommends for appropriate remedial action. Manages defaulting accounts by devising an account management strategy. *Maintain and exercise control over allotted SRM /Unit Head portfolios to ensure that services to our customers are of the highest standard and facilitate customers on BAU basis for their transactions, while constantly monitoring customer quality in order to minimise the risk of loss to the bank. *To liaise with client to ensure submission of audited financial statements, management accounts, ageing debtors, stock/receivable reports and all other information/documents required. To act as Bank interface with the client for all telephone enquiries and service related issues. Provide SRM/Unit Head support in meeting their sales targets *Ensure that all administration associated with the team portfolio is done accurately in accordance with laid down procedures and on a timely basis in addition to undertaking regular inspection of assets and documents which represent security for the Bank. *To assist in preparing management reports relating to credit approvals, excesses, extensions, earmarking, early alert reports, risk trigger monitoring, covenant breach monitoring, approval conditions, etc. to ensure all controls are complied with at all times. *To assist in preparing annual industry studies, if required, in order to improve knowledge within SME Banking of specific markets and industries and to ensure we bank the top 50% in the industry. *Complete awareness of Group Operational / Credit Risk policies, as well as local regulatory requirements. *Migrate best practices from other Commodity Corporate locations *Ensure that portfolio review/audit results in good ratings and nothing negative is highlighted in the accounts allocated *Complete awareness of Group Operational / Credit Risk policies, as well as local regulatory requirements. Adhere SME KCSA (Business, Local, Group) and ensure he has equipped himself with the best training courses available in the bank *Additional Responsibility of running with adhoc SME banking projects which come up from time to time. *Ensure that all related administrative functions, most importantly file maintenance, including regular stock inspections, call reports, periodic appraisals are performed in a timely manner. *Guide, Counsel and advice Assistant Relationship Managers in their support duties. *Provides management information relating to their own portfolio on status of the accounts, excesses, irregular securities, defaulting accounts and exceptions to Unit Head on a regular basis, as and when required.

Qualifications and Skills: Minimum Bachelors qualification. CFA would be a preference. Should have relevant experience.

How To Apply: You can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:

– You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role

– Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information)
– We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your application

It usually takes 15 – 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.

Closing Dates: The closing date for applications is 03/09/2015. Please note all closing dates are given in Hong Kong time (GMT + 8 hours). We aim to respond to successful applicants within four weeks and will keep a record or your application in our database so that we can contact you when suitable vacancies arise in future.

Diversity and Inclusion: Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

Apply Now

Audit Manager

Job Description:
1) To provide business stakeholders and committees with:
a) A point of contact in the country with respect to Group Internal Audit (GIA);
b) GIA’s view on significant risks within the business(es) and an assessment as to whether these risks are being adequately managed and escalated if appropriate;
2) To assist the Senior Audit Manager/Head of Audit in:
a) Preparing Audit Planning Schedule (APS)/Risk Assessment and detailed audit plans;
b) An assessment on the appropriateness of the audit plans
c) An anticipatory approach to risk assessment to GIA by highlighting issues through effective stakeholder engagement in order to improve audit planning;
3) To carry out reviews and establish an effective Country Audit function that:
a) Provide independent assurance to relevant stakeholders on the state of the Country control environment and control discipline by Audits, Control Review, Continuous Monitoring and Special Review ;
b) Assist in carrying out GRB/Country Audits in other countries as required by the Country/ Area/ Regional Head of Audit from time to time.

Key Roles and Responsibilities

Roles & Responsibilities:
Risk Assessment
===============
* Ensure early identification and escalation of risks, issues, trends and developments to relevant stakeholders. Be prepared to raise issues/concerns outside the normal audit process;
* Adopt an anticipatory approach to risk assessment through stakeholder communication and monitoring of external environment to improve audit planning;
* Delivery of the agreed audit plan for the country / region as assigned; understanding the key audit issues arising and escalating any significant audit findings that remain unresolved;
* Review country MIS regularly; Avoid surprises.

Audit Planning/Design
=================
* Help to develop an annual audit plan to meet the Group & Audit Committee’s expectations.
* Audit activity – Audit, Control Review, Continuous Monitoring and Special Review
* Carry out audits, to ensure adherence to policies and procedures and to ensure that business goals are met and that professional standards are maintained at all times.
* Execute audit to provide independent, objective assurance to the Audit Committee.
* Ensure GIA methodology is adhered.
* Ensure audit conducted using GRC software is in accordance with the Audit Methodology.
* Ensure Country Audit activity is sufficient to meet the requirements/expectations of local Regulators

Issue Resolution and follow up
========================
* Ensure issues raised are appropriately resolved in a timely manner
* Ensure appropriate follow up of issues and escalations where appropriate.

Reporting, Communication & Engagement
=================================
* Ensure final reports are delivered for review to Country Head of Audit with all recommendations agreed and accepted by the audited individual/group.
* Conduct / attend regular stakeholder meetings when required.

Improving the Practice of Audits/Championing Risk Management
================================================== Build relationships with leaders across the country to understand issues and identify areas for improvement for the organization as a whole. * Share best practice to improve the control environment; make recommendations to Country Head of Audit.

Qualifications and Skills: Knowledge & Skills * Institute of Internal Auditors (CIA) or equivalent finance qualification (ACCA, CPA, ACA etc.) with Internal Audit experience preferred, but part completion will be accepted. * Some (2+ years) experience in Internal Audit roles, preferably in a bank will be an advantage. * Team player able to work effectively with diverse client groups * Good communicator with an ability to gain the respect from peers, management and business stakeholders; * Is confident and courageous to raise concerns and issues with Senior Audit Manager/Head of Internal Audit. * Is self directed and able to work with minimum supervision; escalating issues in appropriately and in a timely manner; * Ability to evaluate information analytically.

How To Apply: You can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:

– You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role

– Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information)
– We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your application

It usually takes 15 – 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.

Closing Dates: The closing date for applications is 10/09/2015. Please note all closing dates are given in Hong Kong time (GMT + 8 hours). We aim to respond to successful applicants within four weeks and will keep a record or your application in our database so that we can contact you when suitable vacancies arise in future.

Diversity and Inclusion: Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

Apply Now

 

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