Assistant Relationship Manager, Commercial Banking
Standard Chartered
Lagos, Nigeria
5h ago

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

Business

  • Work with the Relationship Manager on ensuring all documentations for approved BCA are in place for Limits loading so as to ensure faster execution of transactions.
  • Work closely with the Relationship Manager and Credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / Credit policy.
  • Work in partnership with stakeholders to ensure LC documentation is adequate for bidding and ensure funds are adequate in customers account
  • Work with the IMO team to ensure eCDD records are created and renewed on time.
  • Track past dues and excesses in the portfolio meticulously and ensure they are regularized on time. Any exceptions to be highlighted to CA and RM.
  • Ensure all necessary approvals are sort to ensure prompt release of trade offerings / excesses for faster TAT on trade transactions.
  • Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct.
  • Processes

  • Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
  • Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
  • Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis incorporating infrastructure requirements and ensuring that they are fit-for-growth.
  • Conduct regular and timely customer due diligence (CDD) reviews
  • Ensure CDD profiles are error free for timely sign off
  • Follow and comply with AML CDD policies and procedures where applicable
  • Identify KYC issues, provide solution or escalate to line manager if necessary
  • Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
  • Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures
  • People and Talent

  • Embed the Group’s values and culture
  • Coach peers and more junior staff as appropriate
  • Partner effectively with internal stakeholders to deliver effective client solutions
  • Risk Management

  • Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
  • Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements.
  • This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).

  • Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
  • Do what is right in order to avoid reputational risks and operational losses
  • 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 Business to achieve the outcomes set out in the Bank’s Conduct Principles : Fair Outcomes for Clients; Effective Operation of Financial Markets;
  • Financial Crime Prevention; The Right Environment.*

  • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
  • Key Stakeholders Internal :

  • Colleagues in CB and IMO, Products, Risk, Compliance and other support Functions and Businesses
  • External :

  • Clients of the bank especially those assigned
  • Other Responsibilities

  • Embed Here for good and the Group’s brand and values
  • Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
  • Work effectively across SCB, using values behaviours to drive overall business growth
  • Our Ideal Candidate

  • University Graduate
  • Minimum 6 years of relevant experience in serving commercial banking / corporate banking clients. Experience in servicing international businesses under the cross-border context is a plus
  • Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
  • Good product knowledge on trade, cash, lending and FX coupled with strong understanding of local industries, supply / value chains and market environment
  • Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking
  • Firm in all business guidelines and compliance issues
  • Outstanding communication and presentation skills
  • Apply
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