Officer

JOB SUMMARY

To provide a high level quality support to the Team Leader of Credit Administration Team (“CAT”), Credit Risk Control (“CRC”) in achieving the following goals:-

• To provide a high level quality credit administration support to RMs in the Business Units while providing some independent control over the monitoring process
• To manage the relationship between CRC and the allotted Business Units as well as between other team members within CRC.
• To liaise with GBS India and all other divisions of the Bank in connection with daily routine matters on collateral monitoring, including but not limited to placement/removal of lien/hold over deposits/shares and maintenance/loading of limits for Margin Financing customers. 
• To ensure an accurate loading of credit limit, placement/removal of lien/hold over deposits/shares within service standard required by Business Units.
• To ensure the smooth running of CRC so as to carry out work to the high standard the division required.
• To ensure the coverage of security is sufficient at all time according to approved BCA/policy guidance

RESPONSIBILITIES

• Act as a service partner, work together with RMs, Product Sales, Operations and other key internal stakeholders to solve client channel issues and identify opportunities to improve overall service for the clients
• Ensure uniform approach towards implementation of Global Client Management 
• Model and adherence to DOIs
• Deliver excellent service against agreed service standards, delivery standards, and minimal error rates as appropriate
• Provide quality support and advice to Relationship Managers (RM’s) within all lending units on all documentation related matters, including the origination of documentation for customers where required 
• To deliver excellent service and advice to our Corporate & Investment Banking (“CIB”) and Wealth & Retail Banking (“WRB”) clients in all interactions for their channel activation pre-transactional enquiries/setup, trainings and other channel related issues

• Perform end-to-end orchestration across all processes and services managed by Client Management (“CM”)
• Engage clients throughout process, ensuring seamless delivery and client experience
• Own and drive execution of processes, working closely with stakeholders and the value chain to deliver excellent client service, getting clients to the point of ready-to-transact as quickly as possible, across both simple and complex cases.
• Adheres to first-time-right principles
• Provide insight and suggestions to improving processes, identifying opportunities to streamline and automate. Looks at ways to promote standard work and best practices.
• Undertake ad-hoc duties and when delegated by Line Manager and Country Head of CM
• Perform all relevant onboarding processes
• Creation of CDD for New Clients & Review of CDD for Existing Clients and perform regulatory onboarding (e.g. FATCA, CRS) activities
• Drive GIC and network onboarding processes
• Conduct checks on CDD as applicable
• Respond and clear queries from Checkers / Other Specialists / Business CRM on a timely manner
• Work in partnership with all relevant stakeholders effectively within the end-to-end CDD process
• Where serving as a checker, perform checks on CDD output from Client Delivery Makers, ensuring they adhere to policies and standard work
• Escalate or enforce compliance requirements, and follow any other relevant internal controls and procedures as they relate to process, products, policies and regulations

Other Responsibilities

• Embedding Here for good and the Group’s brand and valued behaviours in Client Management team
• Performing other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Qualifications

• Strong ability to positively influence stakeholders across value chain to both orchestrate and execute on processes and deliver exceptional client service and experience
• Ability to positively engage and build rapport with clients
• Strong writing and presenting skills in English
• Problem solver; looks for solutions and finds ways to progress despite blockages
• Strong drive to deliver
• Has a clear understanding of the client needs being serviced
• Ability to work independently without direct supervision and able to cope with pressures from tight deadlines
• A team player with good interpersonal skills

Role Specific Technical Competencies

• Manage Conduct
• Manage Risk
• Manage People
• Operational
• Process Management
• Onboarding (CDD and Regulatory Onboarding)
• Credit Documentation
• Enablement (Account Opening & Channels Activation)
• Servicing (Static Data Maintenance, Offboarding)
• Data Conversion and Reporting