DohaFull-time, PermanentJob : Institutional BankingPrimary Location : Africa & Middle East-Qatar-DohaSchedule : Full-timeEmployee Status : PermanentPosting Date : 23 / Mar / 2020Unposting Date : 06 / Apr / 2020About Standard CharteredWe 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.The Role ResponsibilitiesOriginationInteract with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with RM / product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Work with the RM, in a) obtaining all pre clearances like ER negativity, segmentation, etc. b) preparing & presenting work-shopping note and c) expediting approvals.
Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
Ensure compliance of all internal and regulatory credit / other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
Liaise with GAM Credit for limit approval / allocation.Release the trade offerings in IMEX, after obtaining the necessary approvals.
Seek necessary approvals for excesses in the account.Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conductPost Deal Account MonitoringMonitor quality of the portfolio by tracking Excess / past dues, strictly complying with ASTAR, EAR processes.
Ensure timely submission of quality Quarterly Portfolio ReviewsMonitor Risk Triggers, Covenants and other credit conditions and report appropriately.
Ensure CARTs and Risk Triggers are appropriately addressedEnsure Zero BCA over dues and extensions to not exceed 5%Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
Proper maintenance of Credit files and ensuring Audit Ready at any timeAttend EAR / Portfolio call / MTM calls along with the RMsIn partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelinesProcessesDrive 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.
OthersPrepare timely Stress Tests wherever requiredPrepare specific industry studyPrepare Credit Opinion reports wherever required.
Effective use of Creditmate & WorkbenchEnsure compliance to Group Operational Risk Policy, Anti-Money Laundering Prevention policy and other relevant policies.
Cooperate with the Money Laundering Prevention Officers (Unit, Business, and Country) to ensure compliance to internal and external controls and procedures for money laundering prevention.
Where appropriate, assist in the investigation of financial crime risks and the reporting of suspicious activities.Risk ManagementAbide 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 lossesGovernanceEnsure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and ReputationEnsure adherence with the following Regulatory Compliance policies and processes (as is applicable) : Anti-Money Laundering (AML) and all applicable money laundering prevention proceduresClient Due Diligence & Related Periodic ReviewsClient Suitability StandardsTreating Customers FairlyApproval & review of Credit ApplicationsMaintain Documentary standardsData ConfidentialityCross-Border PolicySanctionsEnvironmental and Social Risk Management (ESRM)Anti-Bribery and Corruption (ABC)Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the cultureEngage with all audit report findings / PEER Reviews, CSTs / KCI Exceptions and ensure feedback is acted upon.
Regulatory & Business conductDisplay 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.
Financial Crime Prevention; The Right Environment.*Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key RelationshipExternal including (and not limited to); clients, trade associations, legal firms, accounts for pushing utilization, regularization of deficiencies, documentation, etc.
Internal including (and not limited to); credit, RM, CCG, FM, TB, CRC and other stake holders for approval, reporting, monitoring and joint management of the portfolio as a cohesive team, post approval activities, overall account management, etc.
Key MeasurableEffective structuring the deal along with the RM no of structured deals handled successfullyCompletion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
Revenue from the portfolioNo overdue BCA, QCREfficient handling of EAR, minimal ASTAR,Nil ProvisioningSatisfactory Audit and other internal & external reviewsNo movement of account to GSAM without going through EAROur Ideal CandidatePost graduate qualification.
Preferred years of experience in a corporate banking environment.A good understanding of the general economic, political and business environment of the region.
Self driven individual with strong problem solving and execution skills.Strong analytical skills.Team player ability to work with colleagues at all levels to drive segment propositionExcellent verbal and written communication skillsCollaborative with a can do attitudeAbility to multi-task and manage multiple deliverables simultaneouslyGood knowledge of the Group’s policy, standards, local regulations, and legislations of the prevention of money laundering.
Apply now to join the Bank for those with big career ambitions.To view information on our benefits including our flexible working please visit our career pages.