• Achieve the sales targets set by the Team Leader.
• Solicit new SME customers in line with the bank’s sales policy, strategy, and targets.
• Visit existing SME Banking Customers to deepen relationships and identify new business opportunities.
• Ensure strict adherence to Account Opening procedures as per policies and guidelines.
• Conduct thorough Credit Risk Assessments for SME Trade and Working Capital Clients.
• Prepare comprehensive Business Credit Applications for SME clients.
• Manage the SME credit portfolio efficiently, ensuring zero expired facilities.
• Promote the highest level of customer service and responsiveness to SME Banking Customers.
• Assess the needs and problems of existing SME customers, providing intelligent solutions to their queries and concerns.
• Monitor SME customer fund movements, identifying and addressing cases where customers fall below criteria levels.
• Follow sales management and credit processes regularly, submitting required reports to management in a timely manner.
• Maintain close coordination with Client Management and Operations staff to provide prompt and excellent service to SME customers.
• Ensure adherence to know-your-customer (KYC) requirements, supported by proper documentation.
• Monitor and respond to AML reports daily, weekly, and monthly, highlighting any suspicious activities.
• Ensure timely closure of Suspicious Transaction Reports (STRs) and compliance with AML guidelines to prevent issues in audits.
• Properly and timely dispose of exceptions from MLP reports.
• Ensure the branch premises maintain the highest standards of hygiene, cleanliness, and comfort.

Skills and Experience

• Corporate/ Commercial Banking with strong knowledge Trade and Working Capital products.
• Strong understanding of credit risk assessment and business credit application processes for SMEs.
• Excellent customer service and relationship management skills, specifically with SME clients.
• Ability to monitor and manage SME customer fund movements effectively.
• Proficiency in compliance and AML guidelines.
• Strong coordination and communication skills with internal teams.

About Standard Chartered