Optimization of economic capital to create sustainable value in CB Supply Chain Finance (SCF) business by crafting and agreeing risk appetite that helps to achieve a desired risk profile from which we can secure relatively better returns than our competition over the longer term.
To ensure that the quality of the client portfolio of Commercial Banking is maintained within acceptable parameters, as defined by CB credit policy and Global underwriting standards (GUS), and that the reporting of information relating to that portfolio is timely and accurate.
To instil a strong credit culture by setting the highest standards and demanding that these are maintained by all Business teams in country.
Proactive management of the portfolio credit risk profile within agreed risk appetite. Reducing P&L volatility by running a largely “surprise free” and well managed CB book.
Aligning with Group’s Business Strategy with the provision of cost and impairment forecasts and a balanced judgement on the external environment.
Communicate the strategic intent and collective agenda for the Risk Function.
Maintain and develop the Function’s risk capabilities, and skills to meet ongoing business needs and plans.
Ensuring that the quality of Limit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
Approving BCAs falling within own discretion and support of applications that require approval outside the delegated credit authority, where appropriate.
Work shopping of new Supply Chain Programs with Business and providing them with new business/product ideas.
Highlighting/Approving breaches of Program Parameters, Credit Policy and GUS.
Undertake regular customer visits to better understand the business environment.
Maintain Turn-around Time of BCA approvals.
Portfolio Risk Management
Ensuring compliance with all credit policy and GUS and any divergence to be appropriately highlighted/approved.
Ensure EAR process is adhered to and participate in the monthly EAR & ASTAR discussions. Assisting relationship managers in identification and managing of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing stressed accounts to maximise recoveries and minimise losses.
Support all portfolio related analysis for various reviews initiated within/outside the country.
Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.
Maximizing Economic Revenue through effective management of the risk/reward relationships.
Maintaining credit quality and standards of professionalism for the risk function.
Ensure effective implementation of Group Policies / Circulars / Procedures.
Participate actively in any group initiative to improve systems and processes
Regularly attending and making meaningful contribution to the Regional Credit Issues Forum.
People and Talent
Uphold and reinforce the independence of the Function from those whose primary responsibility is to maximise short-term revenues and profits.
Ensure the provision of ongoing training and development of the Function’s people Lead through example and build the appropriate culture and values within the business and across the wider organisation.
Effective team-work and shared goals between the various units in Client Relationship and the rest the Bank.
Assisting Senior Credit Officer/ Chief Credit Officer to deliver effective governance, oversight and controls in the business.
Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
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.
Support the CB SCF team to achieve the outcomes set out in the Bank’s Conduct Principles [i.e. Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Ensuring that RBI prescribed responsibilities and Rationale for allocation
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