Credit Appraisal Officer

Job Description

*About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 160 years, weve 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 youre 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 cant 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, youll 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 youve 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 Processes
• To screen, verify and Recommend a loan suggestion to Credit Approver:
Personal LoanCredit cards Wealth LendingMortgageAuto
• To validate info / documents submitted by customers for credit decision purpose.
• To be able to access customer data including credit information from credit bureau company for purpose of credit analysis.
• To ensure that the credit information obtain for credit analysis will not be released to other
• Assessment of Personal Banking credit application, including programmed and discretionary overdrafts, CCPL, and Priority Banking facilities.
• Support to ensure compliance of all lending activities within credit policy and service standards.
• Support, control and monitor the efficiency of the productivity and turnaround time.
• Understand credit related workflow process.
• Providing inputs and recommendation on credit issues for improving credit quality, credit policy, risks control and service level.
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.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders Regular Contacts (written, verbal & face-to-face)Internala) Approver in CI.
• Branch Staffs, Direct Banking and Sales Staff.
External
• Individual customers and customer s
Our Ideal Candidate
• Bachelor Degree (Banking, Economics, Foreign Trade, Commerce)
• Good financial analysis skills
• Good English proficiency
• 1-2 year experience at the same position of Analyst
Visit our careers website www.sc.com/careers ,

Keyskills :
foreign tradecredit policycredit bureau