Require now Sr. Credit Analyst

Job Description

*The Role Responsibilities Processes
• Conduct credit analysis by preparing concise, critical and well-argued proposals. Recommend credit limits in partnership with the origination team based on the banks risk appetite / credit policies and clients credit profile.
• Maintain in depth knowledge of bank credit policies and practices and applicable local and regional regulations to comply with requirements of the Bank and regulatory authority.
• Conduct in-depth industry and corporate research to identify industrys key drivers, supply chain connections, risks and opportunities.
• Work closely with the business unit as well as other internal stakeholders to manage the banks risk exposure.
• Expedite and monitor the credit approval process by liaising with respective approving officers.
• Prepare and conduct periodic credit facility renewals on a timely basis.
• Monitor risk control and conduct relevant reporting.
People and Talent
• 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.
Risk Management
• To comply with the bank s requirements of AML monitoring/reporting, KYC and all policies related to the group reputation risk.
• Relevant DOI / Bulletins are checked before processing a request, in case of any exception the same is pended / rejected and reported.
Governance
• In the event of serious regulatory breaches, policy breaches or where credit appetite have been breached, ensure senior management are informed and that actions are taken quickly to remediate and / or activities are ceased.
• Identifying and reporting all exceptions on non-compliance with standard controls.
Regulatory and 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 to achieve the outcomes set out in the Bank s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association.
Key Stakeholders
• Retail Risk Operation - Credit representatives in group and country.
• Country CI Manager
Other Responsibilities
• Live Here for good and Group s brand and values in Credit Initiation.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
Our Ideal Candidate 3 - 7 years of relevant work experience in the following areas, by performing credit assessment for the approval of retail lending
• Demonstrates leadership in current position.
• Strong oral and written communications skills used to explain, teach, and document.
• Data analysis skill to determine workloads and strategies for peak periods
• Strong presentation and listening skills.
• High-level of motivation to get things done
• Able to prioritize important and pressing tasks
• Strong reading and math skills.
• Willing to take on challenges
Role Specific Technical Competencies
• Application and document Screening skill
• Basics of Credit and Fraud Risk
• Compliance Policies and Standards
• Compliance Advisory
• Manage people
• Service level
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.,

Keyskills :
credit analysisbankingfinancecorporate researchfinancial marketsfinancial statementscreditrisk