The Relationship Manager (RM) Islamic Banking will be responsible for Origination and Client Coverage. He/She will work closely as a team with the CA and CCM in deepening relationships and driving revenue growth.
• The RM is overall responsible for post deal account maintenance and managing the risk associated with the portfolio. He/She has an overview on CCM who holds direct responsibility for post transactional activities and the CA for credit related activities.
Key Roles & Responsibilities
Origination:
Identify prospect and convert in line with Islamic Banking Sharia principles and 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 Credit Analyst (CA) and obtain all pre-deal clearances.
Effectively use Client Relationship Management (CRM) for managing a healthy pipeline and also a record of client calls and discussions.
Oversee Client Coverage manager (CCM) to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
Connect to the SCB network in order to access and build working relationships the product partners
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, Global Account Manager/Field Account Manager (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/ Credit Risk Control (CRC) in preparation and execution of non standard complex transactions along with product partners.
Work with Customer Due Deligence (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, Early Alert Report (EAR), etc, 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, etc 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
Business or accounting related degree, MBA/ACA preferred.
• Minimum 5 years experience in a corporate banking environment of which minimum 2 years should be of managing corporate client relationships.
• Sound understanding of WB products, trade finance, personal banking and international banking products.
• Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
Previous experience in an Islamic Banking is required
• A good understanding of the general, economic, political and business environment of the region.
• Strong awareness of in-house network systems and good PC skills.
• Excellent communication (written and verbal) and negotiation skills.
• High quality experience in a credit management position.
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.
• The RM is overall responsible for post deal account maintenance and managing the risk associated with the portfolio. He/She has an overview on CCM who holds direct responsibility for post transactional activities and the CA for credit related activities.
Key Roles & Responsibilities
Origination:
Identify prospect and convert in line with Islamic Banking Sharia principles and 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 Credit Analyst (CA) and obtain all pre-deal clearances.
Effectively use Client Relationship Management (CRM) for managing a healthy pipeline and also a record of client calls and discussions.
Oversee Client Coverage manager (CCM) to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
Connect to the SCB network in order to access and build working relationships the product partners
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, Global Account Manager/Field Account Manager (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/ Credit Risk Control (CRC) in preparation and execution of non standard complex transactions along with product partners.
Work with Customer Due Deligence (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, Early Alert Report (EAR), etc, 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, etc 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
Business or accounting related degree, MBA/ACA preferred.
• Minimum 5 years experience in a corporate banking environment of which minimum 2 years should be of managing corporate client relationships.
• Sound understanding of WB products, trade finance, personal banking and international banking products.
• Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
Previous experience in an Islamic Banking is required
• A good understanding of the general, economic, political and business environment of the region.
• Strong awareness of in-house network systems and good PC skills.
• Excellent communication (written and verbal) and negotiation skills.
• High quality experience in a credit management position.
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.
Company Description
Standard Chartered PLC is a leading international bank, listed on the London, Hong Kong and Mumbai stock exchanges. It has operated for over 150 years in some of the world's most dynamic markets and earns more than 90 per cent of its income and profits in Asia, Africa and the Middle East. This geographic focus and commitment to developing deep relationships with clients and customers has driven the Bank's growth in recent years.With 1,700 offices in 70 markets, Standard Chartered offers exciting and challenging international career opportunities for around 85,000 staff. It is committed to building a sustainable business over the long term and is trusted worldwide for upholding high standards of corporate governance, social responsibility, environmental protection and employee diversity. The Bank's heritage and values are expressed in its brand promise, Here for good.
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