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Credit Analyst-Commercial Banking 103 views1 application

• 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. • 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. • Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct Post Deal Account Monitoring • Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes. • Ensure timely submission of quality Quarterly Portfolio ReviewsMonitor Risk Triggers, Covenants and other credit conditions and report appropriately. Ensure CARTs and Risk Triggers are appropriately addressed • Ensure Zero BCA over dues and extensions to not exceed 5% • 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 • 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 Processes • Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes. • Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level. • Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring that they are fit-for-growth. Others • Prepare timely Stress Tests wherever required • Prepare specific industry study • Prepare Credit Opinion reports wherever required. • Effective use of Creditmate & Workbench • Ensure compliance to Group Operational Risk Policy, Anti-Money Laundering Prevention policy and other relevant policies. Cooperate with the Money Laundering Prevention Officers (Unit, Business, and Country) to ensure compliance to internal and external controls and procedures for money laundering prevention. • Where appropriate, assist in the investigation of financial crime risks and the reporting of suspicious activities. Risk Management • Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders. • Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM). • Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees. • Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees. • Do what is right to avoid reputational risks and operational losses Governance • Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation • Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable): • Anti-Money Laundering (AML) and all applicable money laundering prevention procedures • Client Due Diligence & Related Periodic Reviews • Client Suitability Standards • Treating Customers Fairly • Approval & review of Credit Applications • Maintain Documentary standards • Data Confidentiality • Cross-Border Policy • Sanctions • Environmental and Social Risk Management (ESRM) • Anti-Bribery and Corruption (ABC) • Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture • Engage with all audit report findings / PEER Reviews, CSTs/KCI Exceptions and ensure feedback is acted upon. Regulatory & Business conduct • Display exemplary conduct and live by the Group’s Values and Code of Conduct. • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. • Lead the Business to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.* • Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Key Relationship External including (and not limited to); clients, trade associations, legal firms, accounts for pushing utilization, regularization of deficiencies, documentation, etc. Internal including (and not limited to); credit, RM, CCG, FM, TB, CRC and other stake holders for approval, reporting, monitoring and joint management of the portfolio as a cohesive team, post approval activities, overall account management, etc. Key Measurable • Effective structuring the deal along with the RM – no of structured deals handled successfully • Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions. • Revenue from the portfolio • No overdue BCA, QCR • Efficient handling of EAR, minimal ASTAR, • Nil Provisioning • Satisfactory Audit and other internal & external reviews • No movement of account to GSAM without going through EAR Our Ideal Candidate • Post graduate qualification. • Preferred experience in a corporate banking environment. • A good understanding of the general economic, political and business environment of the region. • Self driven individual with strong problem solving and execution skills. • Strong analytical skills. • Team player – ability to work with colleagues at all levels to drive segment proposition • Excellent verbal and written communication skills • Collaborative with a “can do” attitude • Ability to multi-task and manage multiple deliverables simultaneously • Good knowledge of the Group’s policy, standards, local regulations, and legislations of the prevention of money laundering. 

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