Credit Analyst, Business Banking

About Standard Chartered 

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  

• 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 

• 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
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• Prepare CIC pack and minutes of the monthly meetings
• Follow up on daily excess with RMs and ensure excess are managed as per policy

• 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

• 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.

• 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

• Clients  / Trade associations, 
• legal firms, Accountants etc

• 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