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About this job
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:
Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
Closely work with the RMs from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
Work with the RM on specified portfolio/branches and facilitate revenue growth in the portfolio.
KEY RESPONSIBILITIES
Origination :
Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with RM/TL /product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Responsible for end-to-end BCA process including preparing all the tools like IORWA, LAT, ESRA, De-dupes, Credit discussions, 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. input during CCAD preparation, other special reporting requirements, etc.
Annual review of credit facilities
Post Deal Account monitoring & Governance :
Ensure Zero BCA review over dues.
Closure of all covenants within the stipulated timelines
Liaise with Credit on BCA and other credit issues and ensure quick turnaround on all queries.
In partnership with the RM, ensure timely identification of accounts to be put in SAM as per the bank’s policies and guidelines
Prepare SAM pack and ensure monthly meetings are held as scheduled
Prepare CIC pack and minutes of the monthly meetings
Follow up on daily excess with RMs and ensure excess are managed as per policy
Stress Test / COR / Analytics / Training & oversight :
Prepare timely Stress Tests wherever required
Prepare specific industry study wherever required
Prepare Credit Opinion reports wherever required.
Effective use of Creditmate and other analysis tools
Oversight role for training and directing the frontline as well as fellow colleagues
Monitoring & Controls :
Operational Risk Controls/Credit.
Oversight on SAM/ASTAR process: A proactive approach to identifying SAM accounts during review and Interim BCAs – No sudden slippages into Collections.
Ensure and remain alert to the risk of anti-money laundering/sanctions and assist in the Bank’ efforts in combating it by adhering to the key principles in relation to: identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.
Governance :
Ensure compliance of PPGs & CADs and Credit risk guidelines
Ensure compliance to Group & Country AML/ CTF, Sanctions, ABC, CDD policies and Group Code of Conduct.
KEY RELATIONSHIPS
External:
Clients / Trade associations,
legal firms, Accountants etc
Internal:
Credit Risk
Credit Risk Monitoring Manager
RM/TL
Other stakeholders (FM/TB/CRC, etc)
Business Product and Segment Heads
Business Unit Head
KEY MEASURABLES:
Effective structuring the deal along with the RM/TL/Product partner/policy team – no of structured deals handled successfully
Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
No overdue BCAs
No overdue covenants
Efficient handling of refer backs from credit
Satisfactory Audit and other internal & external reviews
A proactive approach to identifying SAM accounts.
Nil BCA errors from CRC
Quantity and quality of BCAs processed
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:
Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
Closely work with the RMs from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
Work with the RM on specified portfolio/branches and facilitate revenue growth in the portfolio.
KEY RESPONSIBILITIES
Origination :
Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with RM/TL /product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Responsible for end-to-end BCA process including preparing all the tools like IORWA, LAT, ESRA, De-dupes, Credit discussions, 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. input during CCAD preparation, other special reporting requirements, etc.
Annual review of credit facilities
Post Deal Account monitoring & Governance :
Ensure Zero BCA review over dues.
Closure of all covenants within the stipulated timelines
Liaise with Credit on BCA and other credit issues and ensure quick turnaround on all queries.
In partnership with the RM, ensure timely identification of accounts to be put in SAM as per the bank’s policies and guidelines
Prepare SAM pack and ensure monthly meetings are held as scheduled
Prepare CIC pack and minutes of the monthly meetings
Follow up on daily excess with RMs and ensure excess are managed as per policy
Stress Test / COR / Analytics / Training & oversight :
Prepare timely Stress Tests wherever required
Prepare specific industry study wherever required
Prepare Credit Opinion reports wherever required.
Effective use of Creditmate and other analysis tools
Oversight role for training and directing the frontline as well as fellow colleagues
Monitoring & Controls :
Operational Risk Controls/Credit.
Oversight on SAM/ASTAR process: A proactive approach to identifying SAM accounts during review and Interim BCAs – No sudden slippages into Collections.
Ensure and remain alert to the risk of anti-money laundering/sanctions and assist in the Bank’ efforts in combating it by adhering to the key principles in relation to: identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.
Governance :
Ensure compliance of PPGs & CADs and Credit risk guidelines
Ensure compliance to Group & Country AML/ CTF, Sanctions, ABC, CDD policies and Group Code of Conduct.
KEY RELATIONSHIPS
External:
Clients / Trade associations,
legal firms, Accountants etc
Internal:
Credit Risk
Credit Risk Monitoring Manager
RM/TL
Other stakeholders (FM/TB/CRC, etc)
Business Product and Segment Heads
Business Unit Head
KEY MEASURABLES:
Effective structuring the deal along with the RM/TL/Product partner/policy team – no of structured deals handled successfully
Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
No overdue BCAs
No overdue covenants
Efficient handling of refer backs from credit
Satisfactory Audit and other internal & external reviews
A proactive approach to identifying SAM accounts.
Nil BCA errors from CRC
Quantity and quality of BCAs processed