Senior Manager Credit

Job Description

• Aligning with Group s Business Strategy with the provision of cost and impairment forecasts and a balanced judgement on the external environment.

Business

• Communicate the strategic intent and collective agenda for the Risk Function.
• Maintain and develop the Function s risk capabilities, and skills to meet ongoing business needs and plans.

Processes

• Responsible for assisting SCO and along with business units, delivering targeted revenue.
• Supervise all the relevant credit and monitoring processes for the portfolio handled.
• Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
• Continuously improve the operational efficiency and effectiveness of the Function s risk management processes.

People and Talent

• Uphold and reinforce the independence of the Function from those whose primary responsibility is to maximise short-term revenues and profits.
• Ensure the provision of ongoing training and development of the Function s people Lead through example and build the appropriate culture and values within the business and across the wider organisation.
• Effective team-work and shared goals between the various units in Client Relationship and the rest the Bank.
• Help coaching the junior credit managers, with an aim to nurture the next generation of senior credit managers (if applicable).

Risk Management

• Ensuring that the quality of Group Mandates, Business Credit Applications (BCAs) and other credit submissions meet Group standards, particularly with regards to the completeness and depth of risk analysis.
• Formulating and obtaining approval of Portfolio Standards which is supportive (from credit risk perspective) of the business strategy of various segments.
• Ensuring that Credit Policy breaches are identified, recorded and approved as per approval authority matrix.
• Ensuring credit related issues are timely raised to Senior Credit Officer with all necessary suggestions for rectifications.
• Assisting Senior Credit Officer on timely submission of portfolio reviews and ensure accuracy of CB & GS Credit Portfolio data (for West) as and when required. Ensure EAR process is adhered to and take an active part in the monthly EAR discussions. Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing accounts to maximise recoveries and minimise losses.
• Ensure compliance to the Operational Risk framework including the effective application of risk toolkit (self-assessments, KRIs, KCSs, etc) and reporting.
• Initiate or assist stress tests as required by internal and external factors and review results and assess their implications.
• Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy.
• Direct appropriate response to material events or other risk issues that come to the SCOs attention.
• Exercise risk control responsibility for CB & GS West portfolio.
• Ensure that material risk exposures and related issues are reported to Senior Credit Officer and/or Function as appropriate.
• Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally.
• Actively participate in key committees or forums (if invited).
• Ensure first line process owners understand and accept their risk management responsibilities.
• Maintain an open and cooperative relationship in dealings with regulators (if applicable).
• Provide a reference point on credit systems for collating and passing on to Group Technology and Operations problems and proposed enhancements.
• Increasing working profits through effective management of the loan asset portfolio to help develop the franchise in a sustainable way and minimise provisions.
• Maximizing Economic Revenue through effective management of the risk/reward relationships.
• Maintaining credit quality and standards of professionalism for the risk function.
• Ensure effective implementation of Group Policies / Circulars / Procedures.
• Undertake regular customer visits to better understand the business environment.

Governance

• Assisting Senior Credit Officer/ Chief Credit Officer to deliver effective governance, oversight and controls in the business.
• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.

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.
• Lead the CB & GS West teams to achieve the outcomes set out in the Bank s Conduct Principles [i.e. 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.
• Ensuring that RBI prescribed responsibilities and Rationale for allocation

Key Stakeholders

• Head of Business Units, Relationship Managers, Credit Analysts and Client Coverage Managers
• Legal and Compliance
• Product Sales and Development
• Group Special Assets Management and
• Group Audit

QUALIFICATIONS:External: Chartered Accountant or MBAInternal: CSA, CCCApply 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 . We welcome conversations on flexible working.,

Keyskills :
credit policyunderwritingcredit riskcredit appraisalrisk controlcreditclient coveragefinancesalesbusiness strategybusiness unitsrisk managementoperational risk