Relationship Manager - Standard Chartered Bank

Job Description

The Relationship Manager (RM ) is responsible for Origination and  works closely as a team with the Credit Analyst (CA )and Client Coverage Manager (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 has an overview on CCM who holds direct responsibility for post transactional activities and the CA for credit related activities.

Key Roles & Responsibilities

• 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 CA and obtain all pre-deal clearances. 
• Effectively use  the available Customer  Managment sytems for managing a healthy pipeline and also a record of client calls and discussions. 
• Oversee CCM 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 CA, product partners and other stakeholders to 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 and other relevant parties 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 CCM in ensuring high utilization of regular WC facilities. 
• Review Failed Trade status and the Early Alert Process  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 
• Convene the consortium meetings where we are the lead bank. 
• Maintain record of Confidentiality Agreement 
• Overall responsible and accountable for the credit quality of the assigned/acquired portfolio. 

Risk Management 

Maintains  vigilance to the risk of money laundering and assists in the overal Bank effort in combating it by adhering to the key principles and guidelines outlined in the risk management framework.

Qualifications & Skills

Required: 

Risk Management - Core 

Credit Risk Analysis - Core 

Account Strategy and Planning - Advanced 

WB Product Knowledge - Advanced 

Deal Structuring - Advanced 

Market Competitor Knowledge - Core 

Excellence in Role: 

Account Strategy and Planning - Expert 

WB Product Knowledge - Expert 

Deal Structuring - Expert 

Market Competitor Knowledge - Advanced

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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