19 May

Credit Analyst - Chennai - Standard Chartered Bank

Credit Analyst
Standard Chartered Bank
Chennai TN
19 May, 2017 30+ days ago

Standard Chartered Bank as the company that open the jobs vacancy, have some qualification and spesification especially for the Credit Analyst jobs vacancy. To find out more information and about qualification and spesification details, walkin interview schedule, the address of the company, the company contact info (email/phone number) of Standard Chartered Bank company, please start to apply for the job vacancy with fill the jobs application with click the 'Apply This Job' button below.

Job Function:

Commercial Banking



Full/Part Time:

Full time

Department : Commercial Banking (LC-CB) Grade : 06 Location : Chennai

Job Description

 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

Credit Analysis
 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

Credit Monitoring
 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
Credit Quality
 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.

Closing Dates

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.

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