Associate Manager, Credit Risk Control
ConfidentialBengaluru / Bangalore, India4 days ago
Job descriptionAct as a service partner, work together with RMs, in-country Client Management (CM), Operations, and other key internal stakeholders to solve issues and identify opportunities to improve overall service for the clients Deliver excellent service against agreed service standards, delivery standards, and minimal error rates as appropriate Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes Deliver Excellent Service and Provide Credit Documentation support for Corporate & Investment Banking ('CIB') and Wealth & Retail Banking ('WRB') clients business sector Provide support to resolve technical operating problems by conducting investigations, rectifying errors. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters Maintain a good working relationship with the various Business Units, Finance, Risk, Technology and Operations community Identify common error patterns and provide feedback to the value chain. Adhere to first time-right principles Provide insight and suggestions to improving processes, identifying opportunities to streamline and rationalization of checks performed Undertake ad-hoc duties and when delegated by Line Manager Perform periodic training / refresher session for the team Demonstrate ability to train new staff and bring them up to speed in the process successfully. Demonstrate ability to work within timelines with regards to process deliverables to stakeholders (in country CRC, auditors, OR team etc) To provide high quality Documentation support. To ensure error free work with no operating losses Ensure Individual Productivity targets are met / surpassed Ensure high quality BCA review being done. Accurate Checking of Credit Approval Authority in Approval Memos, if warranted Accurate Verification of Signature in documents received from external sources Ensure accurate submission of BFL and standard documentation. Ensure that the documents obtained are accurate, valid and legally enforceable Ensure that the updates in CMS, especially View Securities, are done accurately as per the terms of the BCA or the contents of the documents received Issue SCC / DDN in accordance with Policies & Guidelines, without violation of Credit approval terms. Authorized to issue PSCC / SCC / DDN for All Category facilities for unlimited amount (including Category 1 limit above USD200m) Discharge of Custodial Functions as per Group Standards. Discharge Key Holders Responsibilities as per Group Policies Lodge / Retrieve documents as per the relevant Guidelines. Monitor / Diarize / Generate Reports as per the agreed terms with in-country. Any other Documentation Activity assigned by Line Manager. Accurate Updating of Control Sheets Ensure staff performance is monitored on a continuous basis and feedback provided at regular intervals. Ensure timely escalation to Senior Management of any exception noticed related to work and environment. Ensure proper training (OJT) is given to team members whenever required. Ensure backup staff is identified and trained To adhere to the agreed CST plans and approach To identify and report all exceptions on non-compliance with standard controls To identify and report all weaknesses inherent in the standard controls To ensure exceptions arising out of CST checks are immediately rectified and preventive action put in place to prevent recurrence. To actively participate in BCP / DR and any other UAT Perform Single Release Activity (as a Qualified Individual) as assigned by People Leader for the Identified Processes Ensure Individual Productivity targets are met / surpassed Ensure staff performance is monitored on a continuous basis and feedback provided at regular intervals. Ensure proper training (OJT) is given to team members whenever required. Ensure backup staff is identified and trained Demonstrate ability to plan days' work among team members and ensure execution of the plan Act as a back-up for line manager whenever required Provide effective orientation / guidance to new Joiners on the bank's policies / procedures / processes to ensure their successful assimilation into the team and the bank Develop and implement a personal learning plan with team manager to attain necessary competencies Successfully complete milestones as laid out in implemented personal learning plan Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role remit Comply with applicable Money Laundering Prevention Procedures and report any suspicious activity to the operational risk manager and Line Manager Ensure a clear and uniform approach towards implementation of the global operating model for all CM-related processes, and adherence to DOIs Report any deviation (if any) to appropriate authorities and obtain proper dispensations Proactively manage risks and establish / monitor controls to improve the overall state of the risk management and operating framework Ensure compliance with the internal policies and credit policies, external policies, regulatory and statutory requirements Undertake periodic self-assessment on key controls to assess the proper functioning and adequacy of existing controls Highlight significant issues / errors to manager 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. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Client Management (CM) representatives in Group In-country Client Management Credit Documentation Unit Unit Operational Risk Manager Front Office (RMs, CMs, CCMs) Account Opening Teams Other Operation Teams Lending Documentation Unit Governance Tea Ensure that Productivity MIS is updated accurately and immediately after the completion of processing the respective transaction. Ensure all control procedures prescribed for control of Scanned / fax documents / Credit mate SIFs received are actioned as per SLA Actively participate in automation Initiatives Embed Here for good and Group's brand and values in Ops CRC CIB team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures. Operational Functions (Domain - Product, Process & Systems) Process Management Time / Resource Management Operational Risk Accuracy and Attention to Detail Effective Communications Education Preferably commerce graduate / postgraduate Training 5 years of relevant work experience in the following areas : Advanced product & process knowledge (knowledge in terms of customers, products and transactions) Core risk awareness Banking operations experience (credit risk, documentation, client service, cdd, payments, trade, markets or other) and service-oriented attitude. Core communication. Languages English 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 Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental / maternity (20 weeks), sabbatical (12 months 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.
Job Summary
- Perform all checker activities for Documentation team like Document preparation, BCA review , issuance of security compliance certificate etc all input & Maintenance of Limits loaded in various TP systems, Deliver excellent service against agreed service standards, delivery standards, and ensure error free work with no operating losses for Ops CRC CIB
Strategy
Targeted Improvements
Automation and Streamlining
Business
Processes
Key Responsibilities
People & Talent
Risk Management
Governance
Regulatory & Business Conduct
Key stakeholders
Other Responsibilities
Skills And Experience
Qualifications
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
What We Offer
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
Skills Required
Operational Risk, Process Management
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Manager Credit Risk • Bengaluru / Bangalore, India
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