Assistant Manager, Credit Initiation Assistant Manager, Credit Initiation …

Standard Chartered Bank
in Hong Kong
Permanent, Full time
Be the first to apply
Competitive
Standard Chartered Bank
in Hong Kong
Permanent, Full time
Be the first to apply
Competitive
Standard Chartered Bank
Assistant Manager, Credit Initiation
About Standard Chartered
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.

We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

The Role Responsibilities

Strategy

  • Click here to enter text. Support and provide inputs to Head, Credit Initiation for developing operational model and shaping strategic for Credit Initiation.
  • Implement the operating model and strategic direction for Credit Initiation to best support process efficiencies and effectiveness.
Business
  • Participate in the regular Mortgage Sales and Credit Sharing Forum and ad hoc meeting
  • 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 operations of the respective lending team to ensure services rendered meet the agreed services standards
  • Perform exceptional credit underwriting for all retaining banking products
  • Supervise and oversee end-to-end approval process and ensure consistency in underwriting standard
  • Act as deputy in the absence of Head of Credit Initiation.
  • Regularly review work steps to improve productivity on services provided and control measures
  • Facilitate and support launch of products
  • Direct and participate all "back end" integration / EUC enhancement and implementation to ensure maximum efficiency and smooth rollout.
People and Talent
  • Perform resource planning to maximize the team productivity
  • Manage the team to meet all KPI
  • Manage, motivate, train and develop staff to ensure performance is optimised
  • Identify and train up successor to cope with the talent growth
Risk Management
  • Conduct credit assessment on consumer credit applications per credit policies and regulatory guidelines
  • Together with CRM to standardize credit policy definitions on retail lending products
  • Comprehend the prevailing fraud type so as to deter and prevent from fraud attack
Governance
  • Ensuring compliance with the standards of regulatory and compliance practices as defined by internal and external requirements.
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 line manager to manage a team of credit approvers to perform day to day credit underwriting for new applications as well as portfolio tasks 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.

To view information on our benefits including our flexible working please visit our career pages . We welcome conversations on flexible working.
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