About Standard Chartered
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. The Role Responsibilities
The Client Manager is the pivotal relationship in the Client Delivery team responsible for delivering exceptional client account management and proactively managing the client account on all day to day maintenance activities to ensure the highest level of client service and relationship health.
The Client Manager will support the GAMs, Regional Account Managers (RAMs) or Field Account Managers (FAMs) on an aligned client portfolio to ensure strong client delivery execution
The role involves close partnership with Credit Analysis, Credit Risk Control, Credit Risk, Client Onboarding and the Integrated Middle Office (IMO) as well as Product teams.
The role also requires active engagement and collaboration with colleagues in our footprint markets covering foreign local and regional subsidiaries / branches of our clients.
Business Partnership :
Provide direct support to the GAM / FAM for I&I and FSIG clients as follows :
Support the Global Relationship Managers to achieve respective goals whilst also ensuring operational integrity and compliance
Take ownership for credit limit management and monitoring. Prepare, manage and obtain relevant approvals for business and credit applications
Ensure the highest level of client service and risk mitigation through proactive client account management support with client on-boarding (liaising with Integrated Middle Office), credit monitoring and flow maintenance
Actively engage and collaborate with Clients, Relationship Managers at a Global, Regional and Local Country level and various Product Partners to understand and respond to any issues / concerns relating to the ongoing account maintenance including highlighting any unusual utilization patterns to coverage teams.
Provide proactive support on account maintenance activities like documentation, reporting etc by engaging and collaborating with the client, key internal stakeholders as required to ensure the clients expectations are met or exceeded
Escalate issues / concerns relating to account maintenance activities to the CM Team Lead for follow up as relevant
Ensure and display timely, accurate and high-quality performance in line with relevant policies and processes for all of the above
Documentation : Credit (existing deals Renewals / Amendments) & Other
Liaise with Legal & Compliance, Integrated Middle Office, Credit Risk Control (CRC) and Clients on standard documentation processes
Obtain necessary approvals for Terms & Conditions deviations on standard docs from the relevant authoriser as necessary
Follow through to ensure documentation completion and validate limits are correctly loaded / reflected in TP systems
Ensure document deficiencies are minimised and are rectified in a timely manner
Liaise with Client Onboarding and the Integrated Middle Office (IMO), both at headquarter and local Country level with Field Account Managers (FAMs) if required on CDD related items
Account Management & Portfolio Quality
Ensure general portfolio hygiene of client data from a quality control perspective i.e. correct client tagging, limit information, segment classification in relevant systems
Annotate on past dues and excesses daily in the portfolio. Ensure excesses / past dues are regularized on time and cash / cheques are released on time.
Any exceptions to be highlighted to Relationship Manager and Risk.
Review and follow up on Unsettled (FX) Past Due Trades reports & Failed trades reports with Operations
Support Loan Drawdown, Cash Management, Trade Offerings & Audit Confirmations
Manage any client related data queries and remediation efforts, including first level escalations on account maintenance activities
Seek transactional approvals as necessary (i.e. trade, cash) and release trade offerings on time to ensure faster TAT on trade transactions.
Attend Early Alert Reviews / Account subject to additional review (EAR / ASTAR) Review meetings as appropriate and participate in relevant business meetings, forums or committees as required.
Provide support on other projects as assigned i.e. CIB Client Surveys, other business initiatives
Support Network Delivery through documentation facilitation (passporting)
Arrange for stock inspections / valuations as required
Ensure adherence to all internal / regulatory policies & regulations
Co-ordinate with Operation Teams to rectify any ops related issues which can be resolved locally and issue Standard Instruction Form (SIFs) wherever required within authority
Be proactive in ensuring compliance with Bank policies and procedures and lead preparation of client files for audit purposes
Responsible for assessing the effectiveness of the Group’s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas
Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
Responsible for delivering effective governance’; capability to challenge fellow executives
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.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Adhere to local regulatory requirements
Embed Here for good and Group’s brand and values
Key stakeholders : Internal :
Senior Bankers and Global Relationship Managers
Local and regional coverage teams in footprint markets
Risk (Credit and Credit Risk Control)
Client Onboarding and IMO
Financial Crime Compliance
Legal & Compliance (incl. Legal Documentation Unit)
Product partners for designated portfolio
CM Team Lead / CM Regional Head
Segment Leadership team
External : Clients
Legal firms, Audit
Market Data Services providers
Our Ideal Candidate
Bachelor’s degree in Banking or Finance preferred.
Relevant experience in banking or other relevant environment
Team-oriented but also able to act with own initiative and autonomously
Pro-active and solution-oriented work attitude analytical and credit skills, multicultural displaying awareness and sensitivity
Ability to work under pressure and within tight timeframes
Ability to interface credibly and confidently with seniors and audiences at all levels within key stakeholder groups, and to relate to and manage people (regardless of level)
Ability to network and manage a matrix organization structure i.e. to balance the differing objectives of business and functions
Understanding and knowledge of I&I / FSIG segments and banking landscape preferred
Excellent communication skills, both written and verbally