Credit Analyst

4 weeks ago

Mumbai, India Standard Chartered Bank Full time

RESPONSIBILITIES

ECDD activation and account opening as per bank guidelines Vendor management for timely legal/ valuation reports. Portfolio management support for coordinating with CRC/SME ops Astar compliance as per guidlines  100% commitment to code of conduct Timely completion of mandatory e-learning’s

Strategy

Responsible for the portfolio quality and risk including zero tolerance/ KYC.  Meeting client time to time and check customer performance, discuss debtors stretch and probability of enhancement and other required products. Ensure to have OPAC (Operating Account) criteria satisfied, for example, Quarterly Churning in accounts, Tracking HV transactions and informing client time to time if churning not routing through us. In case of multiple banking proportionate churning to be checked. Client servicing through the Bank’s “Outserve” mode with the aim of Customer delight

Business

Support Relationship Managers in handling a group of relationships to meet revenue and profit targets for these relationship Handle deals, together with the RM, from concept to completion with particular emphasis on transaction structuring and documentation Support RM for NTB clients to onboard where there is a scope of Trade and Bundles FX To maintain close rapport with clients and provide quality service Prepare high Quality Business Credit Applications with minimum subsequent rework and time.

Processes

Support RM Daily Annotation of the transaction as per the DOI, Respond on Transaction Monitoring, SAR, RFI , CDD actionable timelyclosure within TAT. No pendency. Review and closure of ASTAR items, covenants, deferrals, Pending Documents with in TAT

People & Talent

Ensure no overdue and all covenants like Stock and Book Debt Statement/Stock Audit/NPA reporting / Exchange of Information in caseMultiple Banking complied with

Risk Management

Reporting of deteriorating credit risks in his/her portfolio and ensuring that necessary steps Prompt recognition are taken to minimize loss to the Bank Renewals of the accounts to be done in timely or any extension required then prior to BCA expired approvals to be taken , Fx Past due and MTM/Grading and actionable as per GPN and comply as per the country regulatory.

Governance

10% commitment to code of conduct Timely completion of mandatory e-learning’s

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.

Key Stakeholders

BB RMS – Agri & BWC Central Team – Agri & BWC CI Team External vendors CRC/Ops ECDD

Other Responsibilities

Embed Here for good and group’s brand and values in India – Business banking team Perform other responsibilities assigned under group , country, Business or functional policies and procedures. Multiple functions (double hats)

Our Ideal Candidate

Graduate plus

Role Specific Technical Competencies

Computer proficiency

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