An'yst, Origination

**RESPONSIBILITIES**

**Business**
- The scope of the role covers Credit Analysis, business management and portfolio management. Credit Analysis role involves writing BCAs and ensuring Credit Risk approval for deal BCAs and renewal BCAs. It also involves monitoring of accounts which are tagged to the employee. The business management role entails managing all aspects of the business to drive business performance. It will involve a combination of routine, project and ad-hoc work that are either strategic or tactical in nature. It also involves building out the platform for Industries Group. The portfolio management role will involve providing oversight of the quality of the portfolio to Risk and Business, and managing the portfolio within risk limits. It also involves execution of the distribution strategy. Specific areas of responsibility will include:

- Credit Analysis: preparing Deal BCAs and getting Credit Risk approval.
- Credit monitoring of accounts tagged to the employee.
- Strategy - working with each Industry to develop their growth strategy and driving implementation of the strategy.
- Business performance - preparation and presentation of performance, pipeline, portfolio & client analysis, and the identification of business opportunities.
- Credit Risk - preparation and presentation of portfolio management packs that monitor client portfolio, risk exposures and client strategy; and stress testing as required.
- Distribution - work with Portfolio Management and FM to execute on distribution strategy including collaborating on innovative distribution structures and channels.
- Compliance - Management of risks and controls for Industries Group.
- Cost - Ensuring the business manages cost within budget. This also includes managing the vendor relationships with market data service providers.
- Systems - driving system changes to automate reporting needs.
- Independent Role as Credit Analyst - Should take up one CRE account as credit analyst to manage client needs, robust structuring of facilities, working on new proposals and renewal of existing facilities etc. Should also have strong understanding of policies and regulations along with industry & product expertise.
- Ensure high standards of governance and monitoring for CaRTs, portfolio reviews, EAR accounts, ASTAR, Audit queries, UFCE/TM, Excess-Past dues etc.
- Independent role as an ARM and manage two accounts end to end ensuring that all client needs are managed on a day to day basis. Should support RMs in deal documentation, disbursement, liaising with operations, credit, legal etc

**People & Talent**
- Live through example and build the appropriate culture and values.

**Risk Management**
- Follow a culture of risk management, control, and governance, and ensure to comply with the risk management processes in place. This includes (but not limited to) compliance with country-level Portfolio Standards, Underwriting Standards, Credit Underwriting Principles (‘CUP’), PPGs.
- Proactively advise on and monitor all major risk issues and portfolio concentrations with Portfolio Analytics & Monitoring (‘PAM’). Where appropriate, advise on remedial action and/ or ensure adequate escalation and reporting to the senior management

**Processes**
- Manage business and risk management processes without any exceptions
- Responsibility for the first line of defence as a credit analyst
- Ensure deals are properly screened and selected in line with the Bank’s strategy and risk appetite
- Provide oversight of portfolio risks through the portfolio reviews and escalate to senior management/ risk forums where required.

**Governance**
- Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
- Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
- Accountable for escalation from within CREF and/or other Group governance committees or stakeholders in senior management, risk, or control functions.

**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.
- Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.
- Ensure no Audit findings are found in Credit BCAs or monitoring.
- Operational Risk Framework - work with Risk, Compliance, Assurance and Internal Audit as appropriate to ensure operational risk management and assurance processes are adhered to within the Business.

**Key Stakeholders**
- Clien