Manager, Credit Initiation

Summary

As Manager, Credit Initiation, you will assess lending applications, make well-informed credit decisions within delegated authority and help strengthen the efficiency and effectiveness of credit operations.

Job Summary

In this role, you will appraise and approve applications for lending facilities within your delegated authority, while supporting the assessment of applications that require higher-level approval.
You will ensure that every application is reviewed according to established credit policies, regulatory requirements, risk standards and operational procedures. Combining sound credit judgement with a continuous-improvement mindset, you will help the Credit Initiation team deliver timely, consistent and high-quality decisions while maintaining a strong risk and control environment.

Key Responsibilities

• Appraising and approval of applications for lending facilities falling within delegated authority.
• Ensuring that Credit Policies and standards and other relevant Group/Regulatory policies/standards/stipulations are complied with and that all applications received are subject to these and the established processes and rules.
• Processing and approval of lending facilities falling within delegated authority and supporting those outside the authority.
• Managing the day-to-day operations of credit decisioning queue for timely processing (including escalation where required) to ensure effectiveness and efficiency.
• Identifying areas of weaknesses, risks and process improvement opportunities in the credit process and timely escalations to Manager and/or relevant stakeholders.
• Ensure application processing is within the set turn-around timeframes.
• Exercise diligence, independence and good judgement in credit decision that will ensure quality portfolio with minimum delinquency and LI.
• Provide onshore support for Credit Collections related activities
• Any other duties assigned from time to time subject to no conflict with Credit authority policies.
• Assist to provide inputs for developing risk operational model and shaping strategic agenda.
• Responsible to ensure proper monitoring and control of risks, efficiency, effectiveness and quality of WRB Risk operations.
• Propose and deliver initiatives on
• Standardization of activities
• Automation of processes / activities
• Work closely with stakeholders to ensure that end to end processes works seamlessly, efficiently and effectively.

Skills

• Strong credit assessment and lending decision-making capability.
• Relevant experience in credit assessment, lending, credit initiation or a closely related banking or financial-services environment.
• Practical experience reviewing lending applications and working within delegated credit authority.
• Ability to interpret and consistently apply credit policies, standards and regulatory requirements.
• Sound risk awareness and the confidence to challenge, elevate and resolve issues.
• Strong analytical and problem-solving skills.
• Ability to make timely, well-reasoned decisions in a controlled environment.
• Excellent organisational skills and the ability to manage competing priorities within defined turnaround times.
• Strong stakeholder-management and collaboration capabilities.
• A proactive, action-oriented approach to challenges and improvement opportunities.
• High levels of integrity, accountability and professional judgement.
• Project-management and process-improvement capability.
• CeMAP qualification is required. CeMAP, or the Certificate in Mortgage Advice and Practice, is a professional qualification focused on mortgage advice and the UK mortgage market

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.

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