Job: <\/b>Commercial Banking
\nPrimary Location:<\/b> Africa & Middle East-Tanzania-Dar es Salaam
\nSchedule:<\/b> Full-time
\nEmployee Status:<\/b> Permanent
\nPosting Date:<\/b> 07\/Jan\/2020
\nUnposting Date<\/b>: 22\/Jan\/2020<\/p>\n
About Standard Chartered\u00a0<\/b>
\nWe are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.<\/p>\n
To us, good performance is about much more than turning a profit.\u00a0 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.<\/p>\n
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.<\/p>\n
Job Purpose:<\/b>
\n\u2022 Grow and retain profitable CB clients
\n\u2022 Provide clients with needs based solutions
\n\u2022 Build trusted client relationships
\n\u2022 Maintain a high level of client engagement
\n\u2022 Outstanding communication and presentation skills
\n\u2022 Portfolio maintenance
\n\u2022 Portfolio analysis
\n\u2022 Understand Client Value Proposition (CVP)<\/p>\n
Key Responsibilities:<\/b><\/p>\n
Relationship Management:<\/b>
\n\u2022 Be flexible, responsive and accessible; maintain frequent but added-value contact with client
\n\u2022 Build relationships with decision makers and influences within a client\u2019s circle of influence
\n\u2022 Follow up quickly on outstanding issues, updates or questions to ensure flawless execution
\n\u2022 Act as an advocate for client and help them to navigate the Bank
\n\u2022 Obtain feedback from client and seek to exceed their expectations
\n\u2022 Able to drive CVP in a strategic level related to certain business segment.<\/p>\n
Sales:<\/b>
\n\u2022 Provide expert guidance to the team on targeting market prospects
\n\u2022 Align profitability goals with client needs by negotiating terms as a package with the group
\n\u2022 Shape client base segmentation and business development strategy
\n\u2022 Provide expert guidance to the team on holding a client pitch<\/p>\n
Risk & Compliance:<\/b>
\n\u2022 Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across the bank
\n\u2022 Understand and implement the Bank’s procedures to independently assess and recommend strategies for and credit exposures to clients
\n\u2022 Formulate and lead in building bank’s short term and long term credit risk strategies at unit \/ country level
\n\u2022 Ensure that staff only pitch relevant Financial Markets products to clients based on their risk profile within the appropriateness framework<\/p>\n
Credit Risk – Core:
\n\u2022 Perform with confidence credit and accounting analysis techniques, including cashflow analysis, ratio analysis and sources of revenue for a client
\n\u2022 Apply knowledge of working knowledge of internal credit and regulatory policies, procedures, guidelines and products etc, in managing client and portfolio level credit risks
\n\u2022 Follow the Bank\u2019s procedures to complete risk assessment and recommend strategies for and credit exposures to clients with a moderate risk profile
\n\u2022 Ability to identify opportunities in offering the appropriate product to the client from the bank\u2019s product suite keeping in view the customer risk profile and credit facility needs.
\n\u2022 Monitor for early warning signs of changing risk environment which may impact client and breaches in approval terms and condition. The candidate should be in a position to understand and propose necessary actions which work together the best interests of the bank.
\n\u2022 Respond quickly to all internal or regulatory requirements or policy changes<\/p>\n
Key Relationships:<\/b>
\nInternal: <\/b>
\n\u2022 Head of Sales Commercial Banking
\n\u2022 Management of Retail Clients
\n\u2022 Credit Approver and Group Credit Risk Management.
\n\u2022 Credit Risk Control
\n\u2022 Financial Markets
\n\u2022 Trade Services
\n\u2022 Corporate Management of other branches.
\n\u2022 Service Delivery<\/p>\n
External:<\/b>
\n\u2022 Senior executives \/ Owners of Corporates.
\n\u2022 Legal Counsel.
\n\u2022 Counterparties in other banks.
\n\u2022 Official and social functionaries<\/p>\n
Judgement\/ Complexity:<\/b>
\n\u2022 Judgement must be exercised continuously in order to identify, assess, structure and service profitable business and cultivate existing opportunities as well as to introduce control measures over, or the disengagement of, account relationships which represent deteriorating risks, in order to maintain the quality of lending portfolio.
\n\u2022 Each relationship requires unique account relationship and management and the Competitive market leaves no room for mistakes.
\n\u2022 Judgement is required in structuring complex trade finance deals for large corporates requiring proficiency, experience and exposure to such practices.
\n\u2022 Requires keeping abreast of product development in Financial Markets, Transactional Banking, Corporate Finance & Advisory and Retail Clients to maximise business opportunities for the Bank.<\/p>\n
Know how And Experience:<\/b>
\n\u2022 Business or accounting related degree.
\n\u2022 MBA\/ACA preferred.
\n\u2022 Minimum 7 years\u2019 experience in a corporate banking environment of which minimum 2 years should be of managing corporate client relationships.
\n\u2022 Sound understanding of corporate treasury products, trade finance products, Retail Clients products.
\n\u2022 Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
\n\u2022 A good understanding of the general, economic, political and business environment of the region.
\n\u2022 Excellent communication (written and verbal) and negotiation skills.
\n\u2022 High quality experience in a credit management position with proven ability to manage a team.<\/p>\n