Job Summary

The Small Business Clients segment in SME Banking within Standard Chartered Bank aims to provide companies with turnover of up to US$25m in Singapore a suite of product that meets their financing requirements.

As a SME Mortgage Sales Specialist, in addition to providing team support to your counterparts, you will be expected to actively acquire New-to-Bank (NTB) SME Mortgage relationships and cross-sell the entire suite of SME Banking products & Wealth Solutions to meet and exceed quarterly sales targets as stipulated in the Quarterly Scorecard as well as ensure that the NTBs acquired by yourself consistently comment on how amazing your service is.

Key Responsibilities

Performance Measures

To achieve quarterly New Sales Revenue (NSR) targets through New-to-Bank SME Mortgage client acquisitions, and active cross-selling of SME Banking products & Wealth Solutions

Risk Measures

To ensure complete compliance and quality of work that meets internal and regulatory requirements.
Bank's interest must be protected at all times. Raise any risk concerns in writing immediately to seniors. Ensure Bank's is never at risk from your action, or inaction.
Compliance with all the Bank's policies without any delays.
To engage in active cross-selling of SME Banking products & Wealth Solutions to ensure that each NTB holds at least 2 Products Per Client (PPC).
Drive cross product sales of all the Bank's products and services for SME Banking and active referrals to Affluent (Individual) level.
On a reasonable basis, to revert to all customer queries within 2 business days.

Work Ethic

Punctual at work and when visiting customers;
Self-driven, self-motivated, and a pro-active approach toward resolving issues.
Responsive, contactable and accountable to clients and internal stake holders.
Team player ready to grow business, and ready cover team members duties as necessary.
Appropriate dressing that must meet Bank's standards.
Self-driven, self-motivated, and a pro-active approach toward resolving issues.

Regulatory & Business Conduct

Display exemplary conduct and live by the Group's Values and Code of Conduct.
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)

Our Ideal Candidate

4+ years of relevant SME banking or mortgage sales experience, with a strong track record in acquiring New-to-Bank SME clients and achieving aggressive sales targets.
Knowledge of SME working capital solutions, mortgage financing principles (including TDSR), and credit underwriting, alongside familiarity with CDD and FATCA requirements.
Proactive, client-focused relationship builder with strong negotiation and closing skills, able to cross-sell a broad suite of SME banking products.
Demonstrate high standards of ethics, risk awareness and compliance, while being a reliable team player who responds promptly to clients and internal stakeholders.

Role Specific Technical Competencies

Familiar with customer due diligence processes including FATCA adherence.
Familiar with basic working capital financing cycle and products for operating entities.
Familiar with basic mortgage financing principles including TDSR framework and applications.
Keen understanding of adherence to credit underwriting requirements.
Knowledge of competitive environment in order to position Bank's products appropriately.
Keen negotiation and closing skills.

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers

Senior SME Mortgage Sales Specialist, Small Business Clients, SME Banking