Credit Analyst - SME BWC

Standard Chartered India; Maharashtra; On-site; INR 600,000 - 1,000,000; Full time

Benefits offered by this job

Competitive salary

Flexible working

Medical and life insurance

Paid time off

Job summary

Standard Chartered India is seeking a Credit Analyst within Business Banking to analyze financials and credit-related activities. You will assess documentation for sanctioning facilities and monitor post-sanction compliance with stakeholders.

You will support Relationship Managers, handle transaction structuring, and ensure adherence to KYC, risk, and governance standards while delivering timely MIS reporting and e-learning commitments.

Qualifications

• Strong credit analysis capabilities with understanding of SME lending.
• Good stakeholder management and communication skills.
• Proficient with banking systems and data analysis.
• Knowledge of regulatory requirements and risk controls.

Responsibilities

• Assessment of documentation provided for sanctioning of facilities.
• Monitor post-sanction compliance in a time-bound manner.
• Coordinate with stakeholders for sanctioning of facilities.
• Day-to-day MIS monitoring and relationship controls.
• Portfolio management support and coordinating with CRC/SME ops.
• Adherence to code of conduct and completion of mandatory e-learning.

Skills

Credit analysis

Stakeholder management

Computer proficiency

SME lending products

Education

Graduate+

Job description

Job Summary

Job Purpose: This role is within Business Banking for Credit analyst is for Analyse financials, banking and other credit related activities

• Assessment of documentation provided for sanctioning of facilities
• Monitoring of post sanction condition compliance in time bound manner.
• Coordinating with various stakeholders for sanctioning of facilities including internal and external stakeholders.
• Day-to-day monitoring of MIS and control of the relationships i.e. accesses, deferrals, past dues
• 100% commitment to code of conduct
• Timely completion of assigned mandatory e-learning’s
• Portfolio management support for coordinating with CRC/SME ops
• Astar compliance as per guidlines
• 100% commitment to code of conduct
• Timely completion of mandatory e-learning’s

Key Responsibilities

Strategy

• Responsible for the portfolio quality and risk including zero tolerance/ KYC.
• Meeting client time to time and check customer performance, discuss debtors stretch and probability of enhancement and other required products.
• Ensure to have OPAC (Operating Account) criteria satisfied, for example, Quarterly Churning in accounts, Tracking HV transactions and informing client time to time if churning not routing through us. In case of multiple banking proportionate churning to be checked.
• Client servicing through the Bank’s “Outserve” mode with the aim of Customer delight

Business

• Support Relationship Managers in handling a group of relationships to meet revenue and profit targets for these relationship
• Handle deals, together with the RM, from concept to completion with particular emphasis on transaction structuring and documentation
• Support RM for NTB clients to onboard where there is a scope of Trade and Bundles FX
• To maintain close rapport with clients and provide quality service
• Prepare high Quality Business Credit Applications with minimum subsequent rework and time.

Processes

• Support RM Daily Annotation of the transaction as per the DOI,
• Respond on Transaction Monitoring, SAR, RFI, CDD actionable timely closure within TAT. No pendency.
• Review and closure of ASTAR items, covenants, deferrals, Pending Documents with in TAT

People & Talent

• Ensure no overdue and all covenants like Stock and Book Debt
• Statement/Stock Audit/NPA reporting / Exchange of Information in case Multiple Banking complied with

Risk Management

• Click here to enter text.and reporting of deteriorating credit risks in his/her portfolio and ensuring that necessary steps Prompt recognition are taken to minimize loss to the Bank
• Renewals of the accounts to be done in timely or any extension required then prior to BCA expired approvals to be taken , Fx Past due and MTM/Grading and actionable as per GPN and comply as per the country regulatory.

Governance

• 100% commitment to code of conduct
• Timely completion of mandatory e-learning’s

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, elevate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• BB RMS – Agri & BWC
• Central Team – Agri & BWC
• CI Team
• External vendors
• CRC/Ops
• Policy
• ECDD

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)

Skills And Experience

• Computer proficiency
• Credit Analysis
• Stakeholder Management
• Knowledge of SME Lending Products

Qualifications

• Graduate plus

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.