Credit Analyst, BB BWC

Found in: Talent IN C2 - 2 weeks ago

Mumbai, India Standard Chartered Bank Full time

Role Responsibilities

Job Role

This role is within Business Banking for Credit analyst is for analyse financials, banking and other credit related activities.

Work in close co-ordination with people in operations at team CRC / SME Ops to ensure disbursal of the cases in time. Assessment of documentation provided for sanctioning of facilities. Monitoring of post sanction condition compliance in time bound manner. Coordinating with various teams for sanctioning of facilities including vendors. Ensuring timely compliance of A-srar for valuations and ECDD approvals of Business banking loans and documentary compliance. Day-to-day monitoring of MIS and control of the relationships accesses, deferrals, past dues overdue reviews, etc.

Key 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 operations. A-star compliance as per guidelines. 100% commitment to code of conduct. Timely completion of mandatory e-learning.

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 timely closure within TAT. No pendency. Review and closure of ASTAR items, covenants, deferrals, Pending Documents with in TAT.

People and Talent

Ensure no overdue and all covenants like Stock and Book Debt Statement/Stock Audit / NPA reporting / Exchange of Information in case Multiple 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

100% commitment to code of conduct. Timely completion of mandatory e-learning.

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. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

BB RMS - Agri and BWC Central Team - Agri and BWC CI Team External vendors CRC / Operations ECDD

Other Responsibilities

Embed Here for good and group’s brand and values in India - Business banking team

Our Ideal Candidate

Graduate plus.

Role Specific Technical Competencies

Computer proficiency

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