JOB SUMMARY
To provide a high level quality support to the Team Leader of Credit Administration Team (“CAT”), Credit Risk Control (“CRC”) in achieving the following goals:-
- To provide a high level quality credit administration support to RMs in the Business Units while providing some independent control over the monitoring process
- To manage the relationship between CRC and the allotted Business Units as well as between other team members within CRC.
- To liaise with GBS India and all other divisions of the Bank in connection with daily routine matters on collateral monitoring, including but not limited to placement/removal of lien/hold over deposits/shares and maintenance/loading of limits for Margin Financing customers.
- To ensure an accurate loading of credit limit, placement/removal of lien/hold over deposits/shares within service standard required by Business Units.
- To ensure the smooth running of CRC so as to carry out work to the high standard the division required.
- To ensure the coverage of security is sufficient at all time according to approved BCA/policy guidance
RESPONSIBILITIES
- Act as a service partner, work together with RMs, Product Sales, Operations and other key internal stakeholders to solve client channel issues and identify opportunities to improve overall service for the clients
- Ensure uniform approach towards implementation of Global Client Management
- Model and adherence to DOIs
- Deliver excellent service against agreed service standards, delivery standards, and minimal error rates as appropriate
- Provide quality support and advice to Relationship Managers (RM’s) within all lending units on all documentation related matters, including the origination of documentation for customers where required
- To deliver excellent service and advice to our Corporate & Investment Banking (“CIB”) and Wealth & Retail Banking (“WRB”) clients in all interactions for their channel activation pre-transactional enquiries/setup, trainings and other channel related issues
- Perform end-to-end orchestration across all processes and services managed by Client Management (“CM”)
- Engage clients throughout process, ensuring seamless delivery and client experience
- Own and drive execution of processes, working closely with stakeholders and the value chain to deliver excellent client service, getting clients to the point of ready-to-transact as quickly as possible, across both simple and complex cases.
- Adheres to first-time-right principles
- Provide insight and suggestions to improving processes, identifying opportunities to streamline and automate. Looks at ways to promote standard work and best practices.
- Undertake ad-hoc duties and when delegated by Line Manager and Country Head of CM
- Perform all relevant onboarding processes
- Creation of CDD for New Clients & Review of CDD for Existing Clients and perform regulatory onboarding (e.g. FATCA, CRS) activities
- Drive GIC and network onboarding processes
- Conduct checks on CDD as applicable
- Respond and clear queries from Checkers / Other Specialists / Business CRM on a timely manner
- Work in partnership with all relevant stakeholders effectively within the end-to-end CDD process
- Where serving as a checker, perform checks on CDD output from Client Delivery Makers, ensuring they adhere to policies and standard work
- Escalate or enforce compliance requirements, and follow any other relevant internal controls and procedures as they relate to process, products, policies and regulations
Other Responsibilities
- Embedding Here for good and the Group’s brand and valued behaviours in Client Management team
- Performing other responsibilities assigned under Group, Country, Business or Functional policies and procedures
Qualifications
- Strong ability to positively influence stakeholders across value chain to both orchestrate and execute on processes and deliver exceptional client service and experience
- Ability to positively engage and build rapport with clients
- Strong writing and presenting skills in English
- Problem solver; looks for solutions and finds ways to progress despite blockages
- Strong drive to deliver
- Has a clear understanding of the client needs being serviced
- Ability to work independently without direct supervision and able to cope with pressures from tight deadlines
- A team player with good interpersonal skills
Role Specific Technical Competencies
- Manage Conduct
- Manage Risk
- Manage People
- Operational
- Process Management
- Onboarding (CDD and Regulatory Onboarding)
- Credit Documentation
- Enablement (Account Opening & Channels Activation)
- Servicing (Static Data Maintenance, Offboarding)
- Data Conversion and Reporting
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.
