• New Vacant Position at Standard Chartered Bank

  • Posted on: 21 November, 2014 Deadline: Not Specified
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    Credit Analyst

     

    Job Purpose:
    * 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.

    Key Tasks and 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:
    a) obtaining all pre clearances like ER negativity, segmentation, etc.
    b) preparing & presenting work-shopping note and
    c) expediting approvals.
    * Responsible for end-to-end BCA process including preparing all the tools like Raptor, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
    * 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.
    * Coordinate and prepare for GCC meetings
    * Liaise with GAM Credit for limit approval/allocation.
    * Seek necessary approvals for excesses in the account..

    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 Reports
    * Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
    * Ensure Zero BCA over dues and extensions not breaching the required threshold.
    * 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 call/MTM 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

    Others
    * Ensure that all administration associated with the team portfolio is done accurately in accordance with laid down procedures and on a timely basis in addition to undertaking regular inspection of assets and documents which represent security for the Bank.
    * Ensure that portfolio review/audit results in good ratings and nothing negative is highlighted in the accounts allocated
    * To assist in preparing annual industry studies, if required, in order to improve knowledge within OCC of specific markets and industries and to ensure we bank the top 50% in the industry.
    * Complete awareness of Group Operational / Credit Risk policies, as well as local regulatory requirements.
    * Takes on adhoc projects e.g. Team budgeting, preparation of reports, etc and other responsibilities as maybe required as per objectives set.
    * prepare timely Stress Tests wherever required
    * In partnership with the RM, approve the TAS request as per the bank's policy (only FI specific).
    * Work on 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 & any other credit tool

    Key Measurables
    * Effective structuring the deal along with the RM - no of structured deals handled successfully
    * Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
    * No overdue BCA, QCR
    * Efficient handling of EAR, minimal ASTAR,
    * Nil Provisioning
    * Satisfactory Audit and other internal & external reviews
    * No movement of account to GSAM without going through EAR
    * The achievement of overall CC Strategy, including the portfolio revenue targets and ultimately the overall segment's/unit's revenues.
    * Monitoring, Control and Improve the overall risk profile of the team portfolio.

    Qualifications & Skills
    Experience:

    • 6 - 10 years experience in Commercial Banking Credit Analysis
    • Proficient use of Excel
    • Strong background in Industry research
    • Strong understanding of the peculiarities of the commercial banking space
    • Strong writing skills
    • Degree in Finance, Accounting, Economics and related fields.
    • Advance degrees/professional certifications would be an added advantage
    • In compliance with the National Youth Service Corps (NYSC) Act of 2004, all applicants should ensure that they have completed the mandatory NYSC programme. A discharge certificate will be required as evidence of completion of the programme. Where an exemption has been granted, a certificate of exemption will also be required.

    Method of Application

    Interested and suitably qualified candidates should click here to apply online.

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