Credit Analyst - Chennai - Standard Chartered Bank
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Department : Commercial Banking (LC-CB) Grade : 06 Location : Chennai
Ensure a high standard of credit governance in the portfolio Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval
Work on a specified portfolio with primary responsibility to manage the credit risk associated with the same and ensuring high quality of the portfolio
Key Roles and Responsibilities
Closely work with the Origination team & play a vital role in structuring appropriate solutions from a credit/policy/regulatory/other governance perspective
Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval
Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence. (for renewal and new BCAs)
Gather inputs from reliable external sources on the Client/Industry etc and use them as effective tools for Credit Analysis
Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products. Work with the RM, in preparing & presenting work-shopping notes obtaining all pre clearances like ER negativity, segmentation, etc; and expediting approvals
Responsible for end-to-end BCA process including preparing the Odyssey/Raptor deal model, Credit Scorecard, ESRA, Sanction Linkages, A&S 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 BCA/ Regulatory checklist, other special reporting requirements, etc
Optimise risk / return in portfolio
Coordinate and prepare for CAC meetings
Liaise with GAM Credit for limit approval/allocation.
Seek necessary approvals for excesses in the account
Should prioritise the BCAs thereby balancing the turnaround on new proposals and renewal/monitoring of existing facilities
Should have a strong oversight on dissemination and understanding of policies, new regulations etc amongst the entire team
Should play an active role in the implementation of policy/regulatory changes
Should constantly review and update the processes in the light of changing regulatory requirements / policies
Should develop industry / product expertise
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
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
Responding to Audit (GIA/LRM/CA/RBI etc) Ensuring completion of audit actionable on time
Regularly track the MTM and escalate exceptions
Attend EAR/Portfolio call/MTM calls along with the RMs
Ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
Play an active role in managing the SMA accounts
Track the performance of the client with other banks and report exceptions
Track the Unhedged Foreign Currency Exposure (UFCE), analyse and report appropriately
Track the Transaction Monitoring (currently for LC/MM/CTA), highlight exceptions and take necessary actions along with Credit. Ensure timeliness and quality of stock inspections/factory inspections
Regular client visits and documenting the same
Qualifications and Skills
Prepare timely Stress Tests wherever required
Prepare specific industry study wherever required
Prepare Credit Opinion reports wherever required.
Effective use of Creditmate & RM Workbench
Work with Credit Risk to drive improvements in BCA quality across the portfolio.
Identify and drive improvements in credit processes.
Driving performance on key credit metrics (overdue BCAs, Rework, Turnaround time,CaRT monitoring, prompt EA reporting/follow up etc)
How To Apply
You can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:
- You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role
- Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information)
- We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your application
It usually takes 15 - 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.
The closing date for applications is 02/06/2017. Please note all closing dates are given in Hong Kong time (GMT + 8 hours). We aim to respond to successful applicants within four weeks and will keep a record or your application in our database so that we can contact you when suitable vacancies arise in future.