3 Dec 2019

Credit Analyst, Business Banking at Standard Chartered Bank

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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

 

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