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Associate, Credit Analyst, CB

Employer
Standard Chartered Bank Ltd
Location
China Raman Cherla, IN
Salary
Competitive
Closing date
Oct 20, 2019

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Job Role
Credit Control
Sector
Finance
Contract Type
Permanent
Hours
Full Time
About Standard Chartered 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. Job Purpose Ensure a high standard of credit governance in the portfolio Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval Work on a specified portfolio with primary responsibility to manage the credit risk associated with the same and ensuring high quality of the portfolio Closely work with the Origination team & play a vital role in structuring appropriate solutions from a credit/policy/regulatory/other governance perspective The Role Responsibilities Credit Analysis Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence. (for renewal and new BCAs) Gather inputs from reliable external sources on the Client/Industry etc and use them as effective tools for Credit Analysis Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products. Work with the RM, in preparing & presenting work-shopping notes obtaining all pre clearances like ER negativity, segmentation, etc; and expediting approvals Responsible for end-to-end BCA process including preparing the Odyssey/Raptor deal model, Credit Scorecard, ESRA, Sanction Linkages, A&S 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 BCA/ Regulatory checklist, other special reporting requirements, etc Optimize risk / return in portfolio Coordinate and prepare for CAC meetings Liaise with GAM Credit for limit approval/allocation. Seek necessary approvals for excesses in the account Should priorities the BCAs thereby balancing the turnaround on new proposals and renewal/monitoring of existing facilities Should have a strong oversight on dissemination and understanding of policies, new regulations etc amongst the entire team Should play an active role in the implementation of policy/regulatory changes Should constantly review and update the processes in the light of changing regulatory requirements / policies Should develop industry / product expertise Credit Monitoring Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes Ensure timely submission of quality Quarterly Credit/ Performance Reports Monitor Risk Triggers, Covenants and other credit conditions and report appropriately Ensure Zero BCA and CaRT over dues Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries Proper maintenance of Credit files and ensuring Audit Ready at any time Responding to Audit (GIA/LRM/CA/RBI etc) Ensuring completion of audit actionable on time Regularly track the MTM and escalate exceptions Attend EAR/Portfolio call/MTM calls along with the RMs Ensure timely identification of accounts to be put in EAR as per the banks policies and guidelines Play an active role in managing the SMA accounts Track the performance of the client with other banks and report exceptions Track the Unhedged Foreign Currency Exposure (UFCE), analyse and report appropriately Track the Transaction Monitoring (currently for LC/MM/CTA), highlight exceptions and take necessary actions along with Credit. Ensure timeliness and quality of stock inspections/factory inspections Regular client visits and documenting the same Others Prepare timely Stress Tests wherever required Prepare specific industry study wherever required Prepare Credit Opinion reports wherever required. Effective use of Creditmate & RM Workbench Credit Quality Work with Credit Risk to drive improvements in BCA quality across the portfolio. Identify and drive improvements in credit processes. Driving performance on key credit metrics (overdue BCAs, Rework, Turnaround time,CaRT monitoring, prompt EA reporting/follow up etc) Apply now to join the Bank for those with big career ambitions.

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