Associate - Credit Analyst

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/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 tools like CreditLens, RMWB, Raptor, Scorecard, etc and perform in-depth analysis of various risks, make quality presentations 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 GAM Credit for limit approval/allocation. 

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 Credit/ Performance Reports
• Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc.
• 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 Analytics Framework.  
• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.

Others

• Prepare timely Stress Tests wherever required
• Prepare specific industry study 
• Prepare Credit Opinion reports wherever required.
• Effective use of Creditmate & RMWB
• Be prepared to do any other activity which might be required from job perspective

Key stakeholders

External 

• Clients / Trade associations, 
• Legal firms, Accountants etc

Internal

• Credit
• Relationship Manager
• Product Teams
• Other stake holders (FM/TB/IMO/Audit etc)

Skills and Experience

• Credit Analysis & Monitoring
• Ability to analyse credit (incl. financial analysis) and monitor accounts closely to ensure – (i) fast turn around on deals and (ii) no slippages / impairments. 
• Effective Communication
• Both oral and written in a clear and concise manner as job involves proposal writing and presenting to various stakeholders.

Qualifications

• Education     Post Graduation / CA

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.