Job Description
* The RM would be responsible for Origination of Local Corprates business and would work closely as a team with the Credit Analyst (CA) and Client Coverage Manager (CCM) in deepening relationships and driving revenue growth.
* The RM is the overall responsible for post deal account maintenance and management of the risk associated with the portfolio. He/She has an overview on the Client Coverage Manager (CCM) who holds direct responsibility for post transactional activities and the CA for credit related activities.
Key Roles & Responsibilities
Origination
* Identify prospect Local Corporates business and convert in line with the Bank’s risk appetite.
* Ensure quality of the sales pitch and lead them with the clients. Also review the Term sheets before delivering to clients.
* Work with CA and obtain all pre-deal clearances.
* Effectively use CRM for managing a healthy pipeline and also a record of client calls and discussions.
* Oversee CCM to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
* Senior client calling and briefing on a regular basis for account maintenance and deal negotiation. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues.
Client on-boarding & deal execution
* Work closely with CA, product partners, GAM/FAM and analyze a) wallet size b) determine appropriateness of the product and c) work out a comprehensive account plan.
* Successfully negotiate and close out pricing and other deal dynamics with client
* Oversee the quality & turnaround of credit proposal and ensure faster delivery. Work with CA for resolving Credit queries.
* Oversee the CCM to ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
* Liaising with Legal/external counsel/CRC in preparation and execution of non standard complex transactions along with Islamic Banking product partners.
* Work with CDD team to ensure proper completion of eCDDs.
Account Management & portfolio quality
* Along with the product partner, push for line utilization of complex and structured transactions. Oversee the CCM in ensuring high utilization of regular WC facilities.
* Review Failed Trade status, EAR, ASTAR CCRT, etc with the CA to ensure discipline and quality in portfolio
* Review the excess/past due situation with CCM to ensure they are regularized and also facilitate approvals wherever required.
* Review and monitor the client profitability to ensure there are no revenue leakages.
* Attend various internal or external sales/ non sales meetings like EAR, CAT, MTM calls, Portfolio Review Meeting and convene the consortium meetings where we are the lead bank.
* Maintain record of Confidentiality Agreement (Sales Team Leader to maintain file & copies will also be held by signatories to the agreement)
* Overall responsible and accountable for the credit quality of the assigned/acquired portfolio.
Qualifications & Skills
* University degree major in business/finance /Accounting;
* Minimum 3-4 years experience working as a Corporate RM;
* Mastery of the full range of Corporate Products and Services
* Proficiency in Credit Risk management
* Excellent Client engagement and service skills
* Strong negotiation, communication and presentation skills
* Good English & PC skills
* Willing to work under pressure;
Diversity & 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.
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