Credit Analyst - Commercial Clients at Standard Chartered Bank

Job ID: 477384
Location: Lagos
Job Function: Commercial Clients
Full/Part Time: Full time
Regular/Temporary: Permanent

Job Description

• Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
• Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
• Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
• Ensure quality Credit Analysis throughput and speedy BCA completion.
• Participate and contribute to other Balance Sheet optimization oriented activities like asset pricing, facility structuring, etc.

Key Roles & 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:

• Obtaining all pre clearances like ER negativity, segmentation, etc.
• Deals Structuring and other account optimization initiatives.
• Expediting approvals.
• Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
• Visit Clients operational base with the Relationship Manager (RM) prior to BCA renewals.
• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
• Liaise with GAM Credit for limit approval/allocation.
• Seek necessary approvals for excesses in the account.

Post Deal Account Monitoring:

• Promptly carry out Interim BCA reviews ad amendments as the business demands
• Ensure Zero BCA over due ad extensions not breaching the required threshold.
• Liaise with Credit on BCA ad other credit issues ad ensure quick turnaround o queries.
• Proper maintenance of Credit files ad ensuring Audit Readiness at all times
• Attend Early Alert Reporting (EAR)/ Portfolio call calls along with the RMs
• I partnership with the RM, ensure timely identification of accounts to be put i Early Alert (EAR) as per the bank’s policies ad guidelines
• Maintain close contact with the borrowing clients on a ongoing basis
• Ensure that Credit Files are up to date at all times

Others:

• Prepare timely Stress Tests wherever required
• Prepare specific industry study
• I partnership with the RM, approve the TAS request as per the bank’s policy (only FI specific).
• Work o specific request from custody for limits (only FI specific)
• Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
• Prepare Credit Opinion reports wherever required.
• Effective use of CreditMate, RMWB, ad other proprietary tools.

Key Relationships for
External:

• (Deal structuring, Credit information, industry update)
• Clients / Trade associations,
• legal firms, Accountants etc

Internal:

• (Approval, reporting, monitoring; Joint management of the portfolio as a cohesive team)
• Credit
• RM
• Other stake holders (FM/ TB/CA/CRC, etc)

Key Measurables

• To be read with individual Job Objectives
• Effective structuring the deal along with the RM - no of structured deals handled successfully
• Minimum errors and reworks on BCAs being handled
• Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
• Revenue from the portfolio
• No overdue BCA
• Satisfactory Audit and other internal & external reviews
• No movement of account to GSAM without going through EAR