SME Chinese Relationship Manager at Standard Chartered Bank Tanzania

To assist in identifying new opportunities for business growth and acquisition of Chinese customers in Tanzania by leveraging existing consumer banking product capability.
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•The key responsibilities covered by this role are business development, portfolio management, and cross-sell management (SME-retail) 

Key Roles & Responsibilities

Business Development & Portfolio Management

•Relationship building/engagement with the local Chinese clients to improve the active ratio, product per customer and revenue of existing Chinese portfolio, and also to acquire more new to bank influential Chinese customers.
•Analyze customer business model and tailor the best transaction banking and trade solution for customer by leveraging on existing product capability and the global network of SCB.
•Evaluate existing and new customer applications for credit to advise whether they meet our target market and risk acceptance of SCB Policies and standards. 
•Sourcing documents required for a credit application i.e. financials, security documents, KYC
•Evaluates 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. 
•Monitor liability trends and overall pricing of deposits, and maximize returns in a manner consistent with SME Banking strategy and in line with Group policy.
•Initiates periodic review of accounts in the portfolio
•Provides feedback to Bank management and colleagues regarding customer service quality, product issues, customer complaints etc.
•Fosters effective working partnerships with SME members and other support functions.

Risk Governance
•Ensure compliance with group policies pertaining to Operational Risk, Compliance Risk Monitoring and Corporate Governance
•Fully compliant with regulations and Group policies and guidelines, and be able to highlight, mitigate and protect the bank against credit, legal, documentation, reputational and other risks; to conduct business at all times in a compliance-conscious manner and alert to the potential risks of money laundering and other undesirable transactions/activity during and after client on-boarding process. 

Qualifications & Skills

•Self-starter & Able to work independently
•Result orientation & customer focus
•Confident interpersonal skills
•Strong analytical and planning skills 
•Moderate to advanced skills in MS Office
•Excellent communication skills both written and verbal (in both Chinese and English)
•Ability to interact and establish good working relationships across cultures. 
•Experience in dealing with Chinese business community.
•Prior experience in China
•Competitive awareness of the local market, product knowledge and strategic thinking
•Knowledge and expertise in Governance, Risk and Compliance 

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