Credit Analyst PSL

Job Description

• This role is within Business Banking for credit assessment of new / existing cases sourced by the Relationship / Portfolio Managers
• Structuring deals for Agri Enterprises and providing suitable offerings
• Putting up the Limit Application in credit mate for the processes and liaise with the Customer and getting a sound understanding of his business
• Resolution of credit queries, if any
• Ensuring disbursal documentation compliance
• awareness and understanding of the Group s business strategy and model appropriate to the role
Business
• Work in close co-ordination with people in operations at team CRC/ SME Ops to ensure disbursal of the cases in time.
• Analysing customers Balance Sheets periodically and putting up cases for renewal and ensuring that renewals are correctly prepared in accordance to group standards
• awareness and understanding of the wider business, economic and market environment in which the Group operates
Processes
• Ensuring timely renewals of Business banking loans and documentary compliance
• Day-to-day monitoring of MIS and control of the relationships i.e. accesses, deferrals, past dues overdue reviews etc.
People and Talent
• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
• Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
• Employ, engage and retain high quality people, with succession planning for critical roles.
• Responsibility to review team structure/capacity plans.
• Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
Risk Management
• Responsible for identifying, assessing, monitoring, controlling and mitigating risks to the Group. Also, an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them
• The ability to interpret the Group s financial information, identify key issues based on this information and put in place appropriate controls and measures
• [Accounts appearing ASTAR closure within TAT with the help of RM.
• Full adherence to Credit Admin Framework and all related aspects.
• Adopt Early Warning System to strengthen risk monitoring
• Assist with co-management of stressed accounts with Collection to reduce impairments and strengthen recovery effort
Governance
• Responsible for assessing the effectiveness of the Group s arrangements to deliver effective governance, oversight and controls in the business and, if necessary, oversee changes in these areas
• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering effective governance ; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
Regulatory & 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.
• Lead the India Business Banking to achieve the outcomes set out in the Bank s Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Local Regulators RBI, SEBI and Group regulations .
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association
Key Stakeholders
• BB RMS Agri & BWC
• Central Team Agri & BWC
• CI Team
• Policy Team
• CRC/Ops
Other Responsibilities
• Embed Here for good and Group s brand and values in India Business Banking Team
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
• Multiple functions (double hats); Mentioned in Authority level table
Our Ideal Candidate
• Graduate/Post Graduation
• All certifications that are relevant for the Credit Analyst BB Job
• Bank training; i.e. mandatory & developmental - role specific, and regulatory/compliance bank wide & role specific,
• Languages; i.e. English (Write & Speak)
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Keyskills :
creditbankingfinancial statementsriskfinanceboard of directorskeeping things simplehuman skillsearly warninglife insurance