Relationship Manager, Business Banking

Role Responsibilities
Purpose

• Grow, deepen and retaining client portfolio assigned. Market and sell a full range of financial services and products including cash management, trade, lending, wealth management, etc. to cater for business client's segment.
• Deliver financial objectives of team via full range of BB products. Achieve revenue & assets/ liabilities targets. Meet client satisfaction and other matrices. Fulfil risk and control objectives.

Business Performance

• Meet revenue, balance sheet targets and KPIs.
• Ensure diversification of revenue streams.
• Manage business opportunity and risk associated within own portfolio.
• Provide need-based selling on treasury and investment products (excluding complex hedging structures) and market outlook given customer's financial objectives and needs profile and based on approved sales scripts. Explain securities services and associated risks to clients who are interested in using the Bank's related services.
• Work collaboratively to resolve issues across business/functions in ways that maximize performance for Business Clients overall.
• Attend adequate training.

Execute Refreshed Retail Clients Strategy

• Deepen, broaden and grow HVS/Business Banking on client portfolio assigned.
• Leverage the network
• Foster client relationship and client experience and drive service to sales.

Risk Management and Control

• Ensure compliance with external and internal regulations and policies. Read, understand and comply with all provisions of the Group Code of Conduct. Understand and adhere to the Bank's Risk policies.
• Compliance with internal and external regulatory requirements at all times, in particular for money laundering prevention procedures and reporting any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.
• Ensure KYC/ CDD compliance for all new to bank and existing customers. Exercise risk assessment for new customers by following through all necessary procedures of KYC and mis-selling.
• Ensure effective complaint management.
• Report any suspicious transaction immediately to the supervising officer of Fraud Control.
• No failed audit and enhance control and process to minimize audit recommendations.
• Explain Securities services and associated risks to clients who are interested in using the Bank's related services (applicable to RI only).
• Provide information on securities products and handle related customer enquiries as appropriate in day to day customer interactions (applicable to RI only). Supervise and provide guidance to team members on regulated activities of RIs under SFO where applicable to ensure compliance (applicable to RI only)
• Compliance with the Group Sanctions: U.S. Persons Procedures. [i.e., must not be involved in business involving countries sanctioned by the U.S. and is not to be involved in any Affected Activity.] (Applicable to US Person only)
• Sales Governance and Operational Risk Management.
• Follow operating and instructions/ procedures, understand duties and responsibilities and the need to seek clarification or escalate issues in timely manner.
• Attend training/ on the job training adequate to undertake full duties and responsibilities to prevent any operational risk.

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.
• 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

• Lending Fulfilment Team
• Client On boarding Team
• Business Insurance Specialist
• Credit Initiation Team
• Business Banking Operations
• Business Banking DDM Team
• Financial Crime Risk Team

Other Responsibilities

• Embed Here for good and Group's brand and values in HK.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Our Ideal Candidate
Preferably university graduates and/or:

• Relevant experience in sales and customer relationship building with a proven track record in dealing with corporate business.
• With ability to work independently and under high pressure.
• Proven sales track record: passion for selling and keen to see results.
• Strong presentation, communication and negotiation skills.
• University graduate with proven experience in corporate or commercial banking, preferably gained through experience in frontline roles.
• Strong stakeholder management and influencing skills and the ability to effectively work with multiple business partners.
• Knowledge of the changing regulatory environment in the financial services sector.
• Highly motivated and proven record of delivery within challenging time-scale.
• Demonstrate ability to drive projects and implement changes.
• Proven problem solving skills with the ability to consider alternative and innovative solutions.

Role Specific Technical Competencies

• Portfolio management
• Addressing Customer Needs
• Banking Account Features and Services
• Credit Analysis and Verification
• Cross-Selling

About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
• Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum
• Flexible working options based around home and office locations, with flexible working patterns
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website www.sc.com/careers