Assistant Manager, Credit Initiation
Standard Chartered Bank
Hong Kong, Hong Kong

About Standard Chartered

We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.

We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation.

This in turn helps us to provide better support to our broad client base.

The Role Responsibilities


  • Support and provide inputs to Manager, Credit Initiation for developing operational model and shaping strategic agenda for Credit Initiation.
  • Implement the operating model and strategic direction for Credit Initiation to best support process efficiencies and effectiveness.
  • Business

  • Actively participate in different projects in identifying improvement area so as to improve the turnaround time and accuracy.
  • Support new business initiatives, marketing program launches and revenue initiatives.
  • Processes

  • Grant a prudent credit decision by assessing and evaluating customer's creditworthiness (including existing customer and new application) for Retail mortgage and wealth management products
  • Manage the daily operations of the Credit Initiation units (Secured Lending) to ensure services rendered meet the agreed service standards
  • Regularly review work steps to improve productivity on services provided and control measures.
  • Ensure consistency in underwriting standard.
  • Facilitate and support launch of new products
  • People and Talent

  • Manage, motivate, train and develop staff to ensure performance is optimized.
  • Risk Management

  • Conduct credit assessment on consumer credit applications per credit policies and regulatory guidelines
  • Comprehend the prevailing fraud type so as to deter and prevent from fraud attack
  • Comply with all applicable money laundering prevention procedures and in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.
  • Governance

  • Ensuring compliance with the standards of regulatory and compliance practices as defined by internal and external requirements.
  • Regulatory & Business Conduct

  • Perform day to day credit underwriting for new applications with full compliance to all regulatory requirements.
  • Display exemplary conduct and live by the Group's Values and Code of Conduct.
  • Key Stakeholders

  • Internal stakeholders
  • Sales
  • Fraud Risk Management
  • System Support
  • Lending Operation Teams
  • External stakeholders
  • Surveyor firms
  • Solicitor firms
  • Mortgage insurers
  • Our Ideal Candidate

  • Broad understanding of banking information management infrastructure and operational processes
  • Ability to provide strategic direction to the function
  • Strong leadership qualities, with the ability to motivate and lead teams in changing & challenging situations
  • Strong analytical and dispute resolution skills, and the ability to command the respect of a cross functional set of professionals at a senior level
  • Ability to make independent decisions with a strong sense of empowerment
  • Skills in project management and process improvement
  • Non-technical skills : Strong written / oral communication and influencing skills. Ability to create effective work relationships within and across functions & borders
  • Risk Management and Control : Good working knowledge of Standard Chartered's approach to risk management, specifically as applicable to Risk Operations
  • Governance, Oversight and Controls : Strong leadership capabilities and management skills, with the ability to deliver effective controls within Risk Operations through both directly-managed and virtual team
  • Regulatory Framework and Requirements : Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the role.
  • Apply now to join the Bank for those with big career ambitions.

    To view information on our benefits including our flexible working please visit our career pages . We welcome conversations on flexible working.


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