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Credit Analyst, Commercial Banking

Employer
Standard Chartered Bank Ltd
Location
India, IN
Salary
Competitive
Closing date
Oct 14, 2019

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Job Role
Credit Control
Sector
Finance
Contract Type
Permanent
Hours
Full Time
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 Origination 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 RORWA, 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 Raptor, 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, other special reporting requirements, etc. Liaise with GAM Credit for limit approval/allocation. Post Deal Account monitoring Monitor quality of the portfolio by strictly complying with 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 on BCA and other credit issues and ensure quick turnaround on queries. 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 banks policies and guidelines. Others Prepare timely Stress Tests wherever required. Prepare specific industry study. Prepare Credit Opinion reports wherever required. Effective use of CreditMate & RMWB. Obtaining Quarterly/Annual / Interim Financials from the client AML/Compliance Ensure all AML/Customer Due Diligence policies and procedures per group and the local regulator are adhered to in opening, reviewing, and monitoring accounts. Ensure zero tolerance method for this aspect, within the business as appropriate. Report any breaches or suspicious persons/relationships. Ensure compliance with local controls and regulations, Group Code of Conduct, Money Laundering Prevention Policies and Procedures / CDD guidelines in prevention of frauds, forgeries and losses Ensure compliance with Groups Health and Safety Policies and Procedures Our Ideal Candidate Minimum 3 years experience in a banking environment with minimum 2 years of managing corporate Business or accounting related degree MBA/ACA / BSC/BBA/CIMA Mandatory. \ Client relationships Preferred. Good Understanding of Trade, Cash, Lending & Fx. Good understanding of Credit appraisal and marketing skills, with the ability to interpret complex financial information preferred. A good understanding of the general, economic, political and business environment of Sri Lanka. Good communication (written and verbal) and negotiation skills. Apply now to join the Bank for those with big career ambitions.

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