Credit An'yst
2 months ago
**Job***: Institutional Banking
**Primary Location***: Asia-India-Mumbai
**Schedule***: Full-time
**Employee Status***: Permanent
**Posting Date***: 01/Nov/2023, 11:55:22 PM
**Unposting Date***: Ongoing
**The Role Responsibilities**
**Job Role**
Responsible for assessing credit requests and producing a recommendation after undertaking a thorough analysis of a variety of factors and careful analysis of a client’s financial information, including income statements, cash flow history, current debt and tax forms.
Responsible for evaluating the credit worthiness of potential borrowers via the underwriting of borrower financial statements, collateral coverage, and guarantor support.
Gathers financial information about organizations and individuals, such as valuable properties, income, savings, debts and payment history, give recommendations on whether it is safe to approve a loan or reduce a credit line.
**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
- obtaining all pre clearances
- preparing and 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 and RMWB.
- Be prepared to do any other activity which might be required from job perspective.
**Regulatory and 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 team to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
- Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association.
**Key Stakeholders**
**External**
- Clients / Trade associations
- Legal firms, Accountants, etc
**Internal**
- Credit
- Relationship Manager
- Product Partners
- Other stakeholders (FM / TB / IMO / Audit, etc)
**Other Responsibilities**
- Live Here for good and Group’s brand and values in Credit Initiation.
- Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
- MBA or CFA qualifications advantageous, but not required.
- 5 - 10 years of relevant work experience.
- Strong analytical ability, focused on the assessment and calibration of credit risk.
- Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.
The Credit Analyst is expected to complete all e-learnings and certifications applicable to the role within defined timelines.
**Role Specific Technical Competencies**
**Credit Analysis and Monitoring**
- Ability to analyse credit (including financia
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