Job Description
• RM would be responsible for Origination and would work closely as a
team with the Credit Analyst and Client Coverage Manager 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 has an overview on Client Coverage
Manager who holds direct responsibility for post transactional
activities and the Credit Analyst for credit related activities.
Key Roles & Responsibilities
Origination:
• Identify prospect and convert in line with Bank's 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 and obtain all pre-deal clearances.
• Effectively use CRM for managing a healthy pipeline and also a record of client calls and discussions.
•
Oversee Client Coverage Manager to ensure smooth on-boarding of client
after thorough completion of documentation and other processes.
•
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 Credit Analyst, product partners, 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 Credit Analyst for resolving Credit queries.
•
Oversee the Client Coverage Manager 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 in preparation and execution of non standard complex
transactions along with product partners.
• Work with 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 Client Coverage Manager in
ensuring high utilization of regular Working Capital facilities.
• Review Failed Trade status, EAR, ASTAR CCRT, etc with the Credit Analyst to ensure discipline and quality in portfolio
•
Review the excess/past due situation with Client Coverage Manager 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,
CAT, MTM 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
• A focussed individual who is an excellent communicator with good
numerical skills, who has the ability to influence others by showing
initiative and creativity.
• Have the ability to communicate fluently in English and Bahasa Indonesia
• Have knowledge and understanding of the WB business & products
• Have knowledge and understanding of the WB credit risks
• Critical is the ability to manage numerous tasks and projects and deliver to strict timelines
• Critical is the ability to manage people
• Excellent knowledge of general banking law and practices
• Ability to recognize risk factors inherent in processes
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.
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