Credit Analyst

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Standard Chartered
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September 06

The Role 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 RM in a) obtaining all pre clearances like ER negativity, segmentations, 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 meeting
  • Liaise with GAM credit for limit approval/allocation. Release the trade offering in IMEX under the delegated Authority from the Segment Head, after obtaining the necessary approvals.
  • 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.
  • 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 RMS
  • In partnership with the relationship manager, ensure timely identification of account to be put in EAR as per the bank's policies and guidelines.
  • Prepare timely stress tests wherever required
  • Prepare specific industry study wherever required.
  • Work on specific request from custody for limits (only FI specifc).
  • 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.

Monitoring and Controls

  • Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that liad down procedures/Policies are complied with any deviations to be escalated to Unit Head/ Head Credit & Operational Risk Controls/Credit
  • Oversight on CIC/ASTAR process. A proactive approach to identifying EAR accounts - No sudden slippages into GSAM.
  • Ensure to remain alert to the risk of money laundering and assist in the Banks efforts in combating it by adhering to the key principles in relation to : identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.
Skill & Language
Accounting, controlling, finance Management
4 - 6 years
Negotiation
1 candidate
October 01
Full Time
Management
Dodoma, Dodoma
Standard Chartered2 jobs · Dodoma, Dodoma
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