Head of Lending Solutions, Private Bank, AMEE & GSAC

Job description

Job Summary

• As a key and senior representative of LST or Lending Solutions Team, the role isto bridge the differences between the internal risk requirements versus client needs. And in order to do so effectively, the candidate must be able to think outside-the-box for solutions, that are balanced, whilst always keeping in view of the key priorities.
• In this role as the Head of LST in GSAC and AMEE, the person will need to lead the teams in providing lending solutions in the Private Banking, across all the key footprint markets of Standard Chartered Bank for the AMEE and GSAC segment. In essence, to proactively propose bespoke financing solutions in meeting the requirements of our Private Banking clients, including helping to diversify and build their personal wealth, whilst driving the business by building localised lending products.
• On the other hand, keeping an analytical view and assessment on the underlying risks whilst proposing mitigations to address such risks and upholding the values of Standard Chartered Bank. This role would also entail rolling-out new lending initiatives and lending programs to enhance our franchise and competitiveness globally.

Key Responsibilities

As a leader and representative of LST in the specified region, that person will be responsible for implementing the key lending strategies and businesses of the group and to roll-out localised lending initiatives to drive the business. As the manager of the team in that specified region, to ensure the development of the team both at individual and overall levels.

Strategy

• To lead and support lending strategy for the PvB locally, regionally and globally. This would mean not only rolling out new lending initiatives and programs but also to suggest and drive improvements to our current process and setup.
• Actively originating lending deals by providing client-centric lending solutions to the Private Banking, GSAC and AMEE clients, including onshore India. As the first line of defence, to ensure sufficient risk management.
• To enhance the understanding of lending by actively engaging with RMs and clients and market our lending products.
• Contribute to the team and overall PvB budget by actively closing new lending deals expeditiously.

Business

• To lead the analysis and assessment of bespoke financing trades with a balanced risk vs reward view. This would include analysing and evaluation of the underlying company from both a fundamental and technical level, transaction structure as well as trade economics.
• Actively engage senior stakeholders (both Business in Risk) on transactions and origination efforts.
• Achieve team and individual financial targets as assigned.
• Track market and general financial and economic developments
• Proactively identify and spear head initiatives / projects to enhance PvB lending product offering / platform
• Formulate strategy to grow the lending business for GSAC/AMEE region, including onshore India.

• Collaborate with frontline, other support functions, business partners, and product specialists to deliver One Bank and provide effective client solutions.
• Support the delivery of the Private Bank business’ short and longer-term objectives.
• Ensure timely turnaround in tasks including enquiries from RMs and clients, ongoing reviews of existing accounts
• Support the team in annual renewal cases / reviews, by providing guidance and comments.
• Meet clients and tailor lending solutions based on clients’ needs and bank’s risk appetite and driving the approval for the proposed lending solutions.

People Leadership

• Team leadership:
  Set direction for the team, role-modeling inclusive leadership and high standards of client focus, risk discipline and collaboration.
• Performance and conduct:
  Set clear expectations, remove obstacles to delivery, provide regular and constructive feedback, and reinforce expected conduct and standards.
• Coaching and development:
  Uplift the capability of the team by developing the skills, judgement, and experience required to perform effectively and progress in their careers over time.
• Thought Leadership and Market Positioning:
  Share sector, thematic and market insights with clients to strengthen strategic engagement and reinforce the Bank's market position. Partner with Industry, Product and Advisory teams to develop thought leadership content and client engagement initiatives.

Skills and Experience Priority Skills

• Financial and Fundamental Analysis
• Structuring of complex financing deals
• Understanding of financial regulatory…