Manager - Credit Initiation

Job Summary

Assess loan applications (Secured & Unsecured) to ascertain whether loan meets lending criteria and therefore whether loan should be approved within delegated authority or recommend to higher approval authority where appropriate.

Key Responsibilities

• Ensure timely & accurate submission of related information as per central bank requirement during onsite inspections.
• Ensure timely closure of all observations.
• Ensure submission of related data for internal and group reporting with accuracy, before deadline where required.
• Ensure all risk issues are addressed by taking timely actions before the approved closure date.
• Monitoring of all reports to identify all irregularities/excesses to ensure that immediate actions are in place.
• Ensure processes/policies are updated on a regular basis and adherence of the same.
• Ensure timely & accurate submission of central bank requirement during onsite inspections. Timely closure of all observations where needed.
• Ensuring costs for Archival & Vault Management are maintained within budgets and cost targets met by way of delivering on committed cost save initiatives.
• Ensure, in co-ordination with the ‘Complaint Management & Service Quality’ units, the delivery of high-quality customer service by an effective process to address customer inquiries and resolve their complaints to minimize client(s) attrition.
• Continuously review procedures, controls and systems & give recommendations & suggestions for improvements in quality, efficiency & Turn around time (TAT), system enhancements, optimization of resources & costs savings
• Ensuring changes to system, processes or product offerings are handled in an effective and seamless manner delivering the expected outcomes.
• To ensure that Service Level Agreements are maintained with all relevant stakeholders and are updated from time to time.
• To ensure that all complaints are resolved within the agreed timelines.
• Participate in User Acceptance Testing (UAT) & User Validation Testing (UVT) of system enhancements related to Underwriting process.
• Liaise closely with IT to ensure a high level of technology support on systems used in underwriting.
• Participate and recommend system developments and enhancements and ensure timely implementation.
  
  

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
  
  

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.