Credit Analyst at Standard Chartered Bank Group

Job Title: Credit Analyst
Job ID: 323889
Job Function: Wholesale Banking

Job Description
Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.

•  Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Work with the RM, in:

a) obtaining all pre clearances like ER negativity, segmentation, etc.
b) preparing & presenting work-shopping note and c) expediting approvals.

• Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
• Coordinate and prepare for GCC meetings
• Liaise with GAM Credit for limit approval/allocation.
• Release the trade offerings in IMEX, after obtaining the necessary approvals.
• Seek necessary approvals for excesses in the account.

Key Roles & Responsibilities

• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
• Ensure timely submission of quality Quarterly Credit Reports
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
• Ensure Zero BCA over dues.
• Liaise with Credit oBCA and other credit issues and ensure quick turnaround queries.
• Proper maintenance of Credit files and ensuring Audit Ready at any time
• Attend EAR/Portfolio call/MTM calls along with the RMs
• In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines

Qualifications & Skills

• First Degree
• Chartered Accountant

Skills Required

• Risk Management - Advanced
• Credit Risk Analysis - Advanced
• Account Strategy and Planning - Core
• WB Product Knowledge - Core
• Deal Structuring - Core
• Market Competitor Knowledge - Advanced

Diversity & Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximize their personal potential.

How To Apply
Interested and qualified candidates should follow these steps to apply:
 Application Deadline: March 20th, 2012