Senior Relationship Manager, Business Banking

Job Summary

• Relationship Manager (RM) is responsible for origination and would work closely with the acquirer and Client Service Manager (CSM) in onboarding clients, deepening relationships, and driving revenue growth.
• RM is responsible for post deal account maintenance and managing the risk associated with the portfolio.
• Oversee CSM who has the responsibility for post transactional activities and the Credit Analysts (CA) for credit related activities.

Business

• Drive deepening activities with high-value or high potential clients with full range of Business Clients (BC) products, continuous analytics support, and collaboration with Business Specialists.
• Meet clients when required (i.e. once a month)
• Acquire and activate new clients referred from Existing to Bank (ETB) clients directly to Business Clients RM/Team
• Maintain integrity of clients' credit portfolio through monitoring, early action and remediation actions

Processes

• Relationship deepening by proactively reaching out to & engaging with high value Business Clients & "Hidden larger Businesses" as per the mandated protocols
• Acquiring from ETB client referrals
• On boarding clients on Business working capital (BWC) proposition.
• Supporting the client on any client-initiated needs
• Delivering on transactions, service requests, Mobile/Web training
• Updating CDD/ AML
• Managing Client's credit situation

Key Responsibilities
People & Talent

• Work closely with CA and CSM to make sure the credit files are complete and up to date
• Attend various internal or external sales/ non sales meetings, Portfolio Review Meetings 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)
• Provides feedback to management and internal departments regarding customer service quality, product issues, customer complaints etc.

Risk Management

• Ensure adherence to risk management, both reputational and operational.
• Ensure you remain alert to the risk of money laundering and assist in the bank's efforts in combating it by adhering to the key principles in relation to: -
• Identifying your customer, knowing your customer, reporting suspicions, safeguarding records, and not disclosing suspicions to customers.
• Ensure you remain alert to the risk of money laundering and assist in the Bank' efforts in combating it by adhering to the key principles in relation to identifying your customer, knowing your customer, reporting suspicions, safeguarding records, and not disclosing suspicions to customers

Governance

• Ensure adherence to the Risk Management Framework, Group Code of Conduct and various Policies, Procedures and Guidelines of the Bank by the Business Banking, Relationship team.

Competencies
Product broadening

• Understanding of businesses and financials.
• Enhanced multi-product Business Banking knowledge.
• Market and competition knowledge.

Client engagement

• Presentation and soft skills tailored to engaging business owners.
• Internal stakeholder engagement skills.
• Closing deals.
• Ability to drive and manage client interaction.
• Communication and presentation skills.
• Negotiation and objection handling.
• Client training on digital solutions.

Journey completion

• Discipline and time management to handle a client portfolio
• Ability to solve problems and close issues without handing over
• Strong analytical ability
• Understanding of BC KYC/CDD principles

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.
• Manage Medium Enterprises Portfolio to achieve the outcomes set out in the Bank's Conduct Principles: [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.
• Embed the Group's Values and Group Code of Conduct to ensure adherence with the highest standards of ethic. Comply with relevant policies, processes, and regulations, as part of the Bank's culture.

Key stakeholders
Internal

• Head, Business Banking.
• Head, Medium Enterprises.
• Head, Client Relationships.
• Trade Product Manager & Trade Operations.
• Head, Credit Analysis.
• Credit & Risk team.
• Financial Markets & CMPS.
• Transactional Banking & Credit Risk Control (CRC).
• Client Deepening and Portfolio Strategy Manager
• Portfolio Monitoring & Controls Manager
• Business Operations & Risk Management.
• Branch Managers.
• Client Experience team.
• Conduct & Financial Crime Compliance (CFCC)
• Legal

External

• Clients
• Legal Firms
• Accountants

Other Responsibilities

• Embed Here for good and Group's brand and values in Kenya, Wealth & Retail Banking (WRB) Medium Enterprises.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats).
• Origination, ensure quality client acquisition, identify prospect, and convert in line with Bank's appetite and (Medium Enterprise) ME Segment Strategy.
• Client Onboarding & Deal Execution.
• Account Management & Portfolio Quality

Skills And Experience

• Knowledge of Business Performance Management and Business Case Justification
• Problem solving skills and solutions driven
• Awareness of Business Markets
• Knowledge of Customer Behaviour and Preferences
• Collaboration skills

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

• 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

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.

• 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.