Credit Analyst-2400003142

The Role Responsibilities

• 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 b) preparing & presenting work-shopping note and c) expediting approvals.
• Responsible for end-to-end BCA process using all the tools like Credimate , etc. and perform, in-depth analysis of various risks, make quality presentation and ensure 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.
• Liaise with Credit for limit approval/allocation.
• 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
• Review reports from various tools
• 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
• Attend EAR/Portfolio 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
• Work with RM on account management with stressed asset team
• Embed usage of Credit Risk Analytics and Credit Anlytics Framework.
• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.
• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Ensure adequate and appropriate systems and controls 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
• Manage Key Stakeholders both internal and external.

Business

• 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 b) preparing & presenting work-shopping note and c) expediting approvals.
• Responsible for end-to-end BCA process using all the tools like Credimate , etc. and perform, in-depth analysis of various risks, make quality presentation and ensure 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.
• Coordinate and prepare for credit meetings
• Liaise with Credit for limit approval/allocation.

Processes

• 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
• Review reports from various tools
• 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
• Attend EAR/Portfolio 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
• Work with RM on account management with stressed asset team
• Embed usage of Credit Risk Analytics and Credit Anlytics Framework.
• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.

Governance 

• Ensure adequate and appropriate systems and controls 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 own and team’s adherence with the relevant policies and processes, including
• 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 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 and ensure feedback is acted upon

Risk Management & 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 stakeholders

Internal

• Credit
• Relationship Manager