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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
Responsible for the monitoring and control of transactions to ensure compliance with approved credit terms
Responsible for the management of commodities collateral in the CTMU-managed portfolio
Credit Monitoring - responsible for monitoring of the credit portfolio:
Manage a portfolio of commodity-finance facilities protecting the Bank's exposure to risk through the constant monitoring of credit facilities and valuation of collateral
Jointly responsible (with Front Office and TB) for a good relationship with the Bank's customers and intermediaries / counter-parties, maintaining and building client relationships
Approval of and ongoing monitoring of transactions to ensure they remain within agreed credit parameters as approved / recommended by Credit
Managing credit risks in a timely manner by reacting to facility excesses and collateral shortfalls
Ensuring that proper notification to (risk) management of deviations and deterioration in the Bank's credit risk position takes place
Overseeing the mark-to-market of the underlying goods financed and making margin calls to clients as required
Ensuring the physical safekeeping of title documents and administering the safe custody of these documents
Regular liaison with financial / trading contacts of our clients and intermediaries / counter-parties such as collateral management companies / warehouses / surveyors / forwarders / insurance companies etc.
Providing timely and proper release instructions to warehouses / forwarders and information updates to relevant counter parties such as insurance companies etc.
Shared responsibilities for MIS reporting for Country Head and the team
Take part in UAT testing for system upgrade/release
Manage title document flows between Trades ops and CTMU
Check that transactions fall within agreed credit parameters as approved/recommended by Credit Committees
Show credit risks in a timely manner by reacting to facility excesses and collateral shortfalls
Ensure that proper notification to local/Head Office (SCO/RCO) risk management of deviations and deterioration if the Bank's credit risk position takes place
Provide account/risk management with advice as to credit and collateral monitoring possibilities within proposed/approved credit structure
Ensure timely receipt of required non-standard security documentation and confirm proper execution of same in conformity with local guidelines/policies or after consultation with risk management or internal/external legal counsel
Responsible for providing periodic information (daily, weekly, monthly as applicable) by reporting on the following issues
- client liability & Collateral position reports to Relationship Management, local and Head office Risk Management (SCO/RCO) as well as to clients; - excess/shortfalls/irregularities/deviations from approved facility parameters; - non-receipt of insurance policies/premium receipts as well as any other document or information required under the terms of the Credit Application (BCA);
Ensure timely response to external credit enquiries and audit enquires from accountants
Jointly responsible for a good relationship with the Bank's customers and intermediaries/counter-parties:
- ensure jointly with Account Manager, where possible good utilisation of the facility - maintain good relationship with traffic/financial/trading contracts of our clients and intermediaries/counter- parties such as warehouses/surveyors/forwarders/insurance companies etc. - provide timely and proper release instructions to warehouses and information updates to relevant parties such as insurance companies etc.
Support the implementation of the IMO target operating model for CTMU in the region
Identify process efficiencies and try to streamline such requirements to provide better client service and risk management
Support increasing the profile of the CTMU function with internal and external stakeholders
Achieve an active dialogue with RCO/ SCO in discussing risk issues and on-going development of the portfolio
Regular client contact to ensure better understanding of clients' business; the markets in general and increase CTMU profile
Contribute to the achievement of maximum team productivity and overall division's productivity goals
People and Talent:
Lead through example; engage in peer-to-peer leadership
Provide effective orientation/ guidance to new joiners on the bank's policies/ procedures/ processes to ensure their successful assimilation into the team and the bank
Develop and implement a personal learning plan with team manager, to attain necessary competencies
Successfully complete milestones as laid out in implemented personal learning plan
Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role remit
Comply with applicable Money Laundering Prevention Procedures and report any suspicious activity to the operational risk team and Line Manager
Proactively manage risks and establish/ monitor controls to improve the overall state of the risk management and operating framework across the region
Ensure a clear and uniform approach towards implementation of the global operating model for all IMO related processes and adherence to DOIs
Build awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the function
Ensure strict adherence to regulatory requirements
Ensure strong due diligence on document safekeeping and data confidentiality
Ensure that risks are clearly identified and quantified, properly tabled in the appropriate forums and appropriate RCPS are done; reporting and referring appropriate issues to superior
Regulatory & Business conduct:
Display exemplary conduct and live by the Group's Valued Behaviours and Code of Conduct
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct
Achieve the outcomes set out in the Bank's Conduct Principles: Financial Crime Prevention; The Right Environment
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters
Regional Head of CTMU
Relationship Managers / CCM
Legal & Compliance
Product Partners (e.g. TB/FM)
Trade and Cash Operations
FM Operations and Traders
Embedding Here for good and the Group's brand and valued behaviours in the Integrated Middle Office team
Performing other responsibilities assigned under Group, Country, Business or Functional policies and procedures
We are looking for candidates that align to our culture and values, which are an important part of who we are and what we stand for as an organisation. To be considered as a candidate, you will be required to complete a Culture Fit Assessment - this is an online assessment of your alignment and behavioral fit to our culture. The test takes approximately 30 minutes to completes and is mandatory. After your application you will get the link to the test to your mailbox. Should you not complete this assessment, you will be considered as not meeting the requirement of 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 .