Credit Analyst, Medium Enterprises

Credit Analyst, Medium Enterprises -(2200007757)Job:Institutional BankingPrimary Location:Asia-India-GandhinagarOther Locations:Asia-India-GandhinagarSchedule:Full-timeEmployee Status:PermanentPosting Date:08/Apr/2022, 5:06:26 AMUnposting Date:14/Apr/2022, 2:29:00 PM About Standard Chartered We're an international bank, nimble enough to act, big enough for impact

For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other

We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before

If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you

You can count on us to celebrate your unique talents

And we can't wait to see the talents you can bring us.Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours

When you work with us, you'll see how we value difference and advocate inclusion

Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing

Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with with minimum global standards for annual and public holiday, which is combined to 30 days minimum Flexible working options based around home and office locations, with flexible working patterns Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to

If you are invited to take an assessment, this is great news

It means your application has progressed to an important stage of our recruitment process

Role Responsibilities Business 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 b) preparing & presenting work-shopping note and c) expediting approvals

Responsible for end-to-end BCA process using all the tools like Creditlens, RMWB, Raptor, Scorecard, etc and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval

Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g

preparing the BCA/ Regulatory checklist, other special reporting requirements, etc

Coordinate and prepare for credit meetings Liaise with GAM Credit for limit approval/allocation

Processes Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes

Ensure timely submission of quality Quarterly Credit/ Performance Reports Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc

Monitor Risk Triggers, Covenants and other credit conditions and report appropriately Ensure Zero BCA and CaRT 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 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 Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes