- Company: Standard Chartered Bank (Stanchart)
- Experience: 6 months - 2 years
- Studies: Bachelor
- Category: Banking - Finance
- Contract: Permanent
- Salary: Over 100.000 / month (USh)
Organisation: Standard Chartered Bank (Stanchart)Duty Station: Kampala, UgandaJob ID: 449437 About Stanchart:Standard Chartered PLC is a British multinational banking and financial services company headquartered in Hong Kong, China. It operates a network of over 1,700 branches and outlets (including subsidiaries, associates and joint ventures) across more than 70 countries and employs around 87,000 people. It is a universal bank with operations in consumer, corporate and institutional banking, and treasury services. Despite its UK base, it does not conduct retail banking in the UK, and around 90% of its profits come from Africa, United Kingdom, United States and the Middle East. Standard Chartered Bank Uganda is the longest established international bank in the country; the first branch was opened in August 1912. We had 11 branches up to 1972 and retained only one branch during the turbulence of the 70s. In 1998 we acquired 4 branches of former Cooperative Bank in November 1999. Standard Chartered Bank Uganda today has a network of 11 branches in Kampala, Jinja, Mbale, Mbarara and Gulu. Standard Chartered Bank Uganda has 29 ATMs and over 600 staff.Key Duties and Responsibilities: Acquire profitable new customers for the CC Banking business through the creation, development and maintenance of high quality advisory relationships, that includes effective consultative selling and creative structuring of financial solutions (within segmentation boundaries).Evaluate existing and new customer applications for credit to advise whether they meet our target market and risk acceptance (review applications against approved Product Development Documents (PDDs), CAD ,PPG”S Departmental Operating Instructions (DOIs) and SCB Policies and standards).In charge of sourcing documents required for a credit application i.e. financials, security documents, KYCEvaluates and acquires a good understanding of the risks associated with individual transactions, products and customers e.g. excesses. Recommending credit application for approval. This involves reviewing and analyzing Credit Applications including company financials, company management and all risks affecting a company.Works closely with Credit Analyst to recommend most appropriate facility structure/product solutions to meet individual customer needs.BRM with analyst discusses applications with approvers in case of any query.Backs up the analyst when the analyst is away on leave.Initiates marketing and credit calls with existing and potential customers and records all customer calls.Initiates periodic review of accounts under his/her portfolioOffers timely feedback to Bank management and colleagues regarding customer needs, bank products, customer complaints etc.Fosters effective working partnerships with team members and other support functions.Aim to increase share of wallet by increased cross sell of at least 2 bank products per customer.Directly work with customers to deepen and secure new business relationships through the analyses of needs and provision of products and services.Creatively tailor products to meet individual customer needs.Analyses and reviews quality of potential and existing business to ensure maximum profitability.Oversees the credit quality standards through effective management of risk according to the Departmental Operating Instructions (DOI) and other SCB policies.Maintain accurate and up-to-date records of all actual and attempted customer interactions.Sermons customer meetings that have defined call objectives, desired outcomes and a well-constructed plan.Work in close partnership with Business Analysts and Credit Managers to ensure that credit applications for new and existing facilities are correctly prepared in accordance with DOI.After consideration of individual case merits, recommend credits for approval by relevant authorities.Liaise and provide leadership in areas of expertise, particularly in the provision of products and services to customers.May be requested to co-ordinate country or regional initiatives within a CC teamOffer timely feedback to senior management, marketing and product management on customer’s needs and the efficiency of marketing strategies and tactics.Responsible for delivering a service to customers that matches the Bank’s brand promise of being ‘The Right Partner’. Qualifications, Skills and Experience: The ideal candidate for the Standard Chartered Bank job should possess a University Degree with sales/sales management experience Ability to communicate at all levels of the organization both internally & externallyAbility to keep abreast on changes in the market, customer requirements, competitors responses and the bank’s ability to use information to identify new business opportunitiesStrong interpersonal, communication, presentation and organizational skillsExcellent analytical skills NB: Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.