Standard Chartered is a leading international bank operating in some of the most dynamic markets in the world, in Asia, Africa and the Middle East. Our successful and sustainable business is built on doing tangible, long term good for our people, our customers and the communities we serve.
To grant a prudent credit decision by assessing and evaluation customer's creditworthiness (including existing customer and new applicant) for products of:
Mortgage loans (including OD and loans)
Other secured products (including OD and loans)
All staff banking facilities (excluding cards, personal loans and tax loans)
Discretionary unsecured facilities (including all referral from Branches / Centre / Account Services)
Key Roles and Responsibilities
Strategy & Business
To assist Manager, Credit Initiation to execute Retail Risk Operations strategy direction and manage country Credit Initiation activities and initiatives and processes effectively and efficiently
To work with various stakeholders and provide timely feedback and assistance on design, implement and deliver of various business initiatives
To provide feedback to credit policy team on applications trend and observations to uphold approving quality and to provide grounds for policy refinement
To assist the ongoing credit review on claimed cases and provide assistance for various guaranteed applications
To investigate and help to resolve the complaints cases or fraud cases on ah-hoc basis
Credit & Underwriting Quality
To exercise delegated authorities to conduct credit evaluation and make credit decision by assessing and evaluating customer's creditworthiness (including existing customer and new applicant) per prevailing credit policies and regulatory guidelines.
To provide continuous coaching to the Team and ensure good credit and underwriting quality to be maintain at the moment of credit underwriting
Processes & Productivity
To manage the operations and streamline the end-to-end workflow to ensure services rendered meet the agreed service standards (TAT)
To work closely with the underwriting team to ensure a smooth workflow and improved productivity with and control-measures in place
To work closely with the sales fulfilment and operation team to ensure smooth drawdown of applications
To leverage on various teams (e.g., QA, RA) to produce high quality reports and data analysis for formulating continue improvement working strategy
Governance & Control
To conduct periodically training, huddles & reminders to the Team to ensure consistency and quality assurance in underwriting standard
To review and identify gaps arising from Internal Audits/regulatory reviews and design the process revamp to bridge the gaps accordingly
People & Talent
To conduct periodically training, huddles & reminders for experience and knowledge sharing to the Team so as to uplift the professionalism and underwriting quality
Qualifications and Skills
Relevant experience in the banking sector
Solid exposure as a credit approver
Able to work independently
Good team player
How To Apply
You can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:
- You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role
- Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information) - We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your application
It usually takes 15 - 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.
Third Party Applications
Please note: Applications from third parties are not accepted unless by invitation.
Diversity and Inclusion
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.
Equal Opportunity Employer
Standard Chartered is an equal opportunity employer. We have a meritocratic culture where each individual employee is valued and respected for who they are as a person and for what they bring to the organisation.