Credit Analyst - SME ME

Standard Chartered India; Maharashtra; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Standard Chartered India is seeking a Credit Analyst to ensure quick turnaround on NTB and new deal proposals, while maintaining overdue BCAs within the 5% threshold.

You will work on credit reversions, portfolio control, risk identification and adherence to the Group's conduct and compliance standards, with emphasis on timely e-learning completion.

Qualifications

• Credit analysis proficiency required.
• Ratio analysis and deal structuring skills.
• Ability to identify and mitigate risks.
• Commitment to customer delight and service.
• Strong knowledge of policies and compliance.

Responsibilities

• Minimize credit reverts to one referral per BCA.
• Maintain portfolio control.
• Downgrade to GSAM within 90 days in EAR to nil.
• Audit: overall grade satisfactory.
• Commitment to code of conduct and ethics.
• Complete mandatory e-learnings on time.

Skills

Credit Analysis

Ratio Analysis

Deal Structuring

Risk Identification and Mitigation

Customer Delight

Policy and Compliance

Job description

Job Summary

Quick turnaround on NTB and new deal proposals. BCA Quality :: Overdue BCAs to be maintained within 5% threshold

Job Summary

Quick turnaround on NTB and new deal proposals. BCA Quality :: Overdue BCAs to be maintained within 5% threshold

Key Responsibilities

No of Credit reverts to be kept to a minimum, no more than 1 refer back per BCA. Portfolio Control. Downgrade to GSAM < 90 days in EAR to be Nil. Audit – Overall grade satisfactory. 100% commitment to code of conduct. Timely completion of mandatory e-learnings.

Strategy

• As per Business Requirement.

Business

• As per Laid down targets.

Processes

• As per Laid down process

People and Talent

• As per laid down process

Risk Management

• As per Business requirement

Governance

• As per Laid down process

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, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• RM. Credit.

Skills And Experience

• Credit Analysis
• Ratio Analysis
• Deal Structuring
• Risk Identification and Mitigation
• Customer Delight
• Policy and Compliance

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What We Offer

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 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.