Job ref no.: 2200013369
Standard Chartered Bank

Analysis, Credit Initiation

Standard Chartered Bank

Role Responsibilities

Strategy

  • Implement the operating model and strategic direction for Credit Initiation to best support process efficiencies and effectiveness.

Business

  • Actively participate in different projects in identifying improvement area so as to improve the turnaround time and accuracy.
  • Support new business initiatives, marketing program launches and revenue initiatives.

Processes

  • Grant a prudent credit decision by assessing and evaluating customer’s creditworthiness (including existing customer and new application) for Retail mortgage and wealth management products
  • Manage the daily operations of the Credit Initiation units (Secured Lending) to ensure services rendered meet the agreed service standards
  • Ensure consistency in underwriting standard.
  • Facilitate and support launch of new products when necessary

Risk Management

  • Conduct credit assessment on consumer credit applications per credit policies and regulatory guidelines
  • Comprehend the prevailing fraud type so as to deter and prevent from fraud attack
  • Comply with all applicable money laundering prevention procedures and in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.

Governance

  • Ensuring compliance with the standards of regulatory and compliance practices as defined by internal and external requirements.

Regulatory & Business Conduct

  • Perform day to day credit underwriting for new applications with full compliance to all regulatory requirements.
  • Display exemplary conduct and live by the Group’s Values and Code of Conduct.

Key Stakeholders

Internal stakeholders

  • Product
  • CRM
  • Sales
  • Fraud Risk Management
  • System Support
  • Lending Operation Teams

External stakeholders

  • Surveyor firms
  • Solicitor firms
  • Mortgage insurers

Our Ideal Candidate

  • Broad understanding of banking information management infrastructure and operational processes
  • Ability to provide strategic direction to the function
  • Strong leadership qualities, with the ability to motivate and lead teams in changing & challenging situations
  • Strong analytical and dispute resolution skills, and the ability to command the respect of a cross functional set of professionals at a senior level
  • Ability to make independent decisions with a strong sense of empowerment
  • Skills in project management and process improvement
  • Non-technical skills: Strong written / oral communication and influencing skills. Ability to create effective work relationships within and across functions & borders
  • Risk Management and Control: Good working knowledge of Standard Chartered’s approach to risk management, specifically as applicable to Risk Operations
  • Governance, Oversight and Controls: Strong leadership capabilities and management skills, with the ability to deliver effective controls within Risk Operations through both directly-managed and virtual team
  • Regulatory Framework and Requirements: Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role. 

Apply Now to join the Bank for those with big career ambitions.

More job information
Job ref no. 2200013369
Salary
Job Function
Industry
Employment Term
  • Permanent
  • Full-time
Experience
    N/A
Career Level
  • Middle management level
Education
  • Degree