Credit Decisioning & Initiation Lead (Flexible Work)

Standard Chartered; New Jersey; Hybrid; USD 80,000 - 110,000; Full time

Benefits offered by this job

Flexible working options

Wellbeing support through Unmind

Continuous learning culture

Inclusive workplace

Job summary

Standard Chartered in New Jersey is seeking a skilled credit professional to appraise and approve lending facilities within delegated authority while ensuring compliance with Credit Policies and regulatory standards.

You will manage the day-to-day credit decisioning queue to meet turnaround times, exercise independent judgment to maintain portfolio quality, support collections onshore, and drive process improvements with stakeholders.

Qualifications

• Ability to apply credit policies and standards to lending applications.
• Strong judgment and independence in credit decisions.
• Ability to meet established processing turn-around times.

Responsibilities

• Appraising and approving lending facilities within delegated authority.
• Ensuring compliance with Credit Policies, standards and regulatory requirements.
• Processing and approving facilities within delegated authority and supporting those outside the authority.
• Managing the credit decisioning queue for timely processing and escalation as needed.
• Identifying weaknesses, risks and opportunities for process improvement in the credit process.
• Ensuring application processing meets set turn-around times.
• Exercise diligence and good judgement to maintain portfolio quality with minimal delinquency.
• Provide onshore support for Credit Collections activities.
• Assist with inputs for developing risk operating models and strategic agenda.
• Monitor and control risks, efficiency, effectiveness and quality of WRB Risk operations.
• Propose and implement initiatives for standardization and automation.

Job description

Standard Chartered in New Jersey is seeking a skilled credit professional to appraise and approve lending facilities within delegated authority while ensuring compliance with Credit Policies and regulatory standards.

You will manage the day-to-day credit decisioning queue to meet turnaround times, exercise independent judgment to maintain portfolio quality, support collections onshore, and drive process improvements with stakeholders.