Standard Chartered Bank - Team Leader - Credit Analyst

Credit Analysis

- Understand client requirements, gather data including from external sources, analyse the same and submit for Credit Risk approval

- Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence. (for renewal and new BCAs)

- Gather inputs from reliable external sources on the Client/Industry etc and use them as effective tools for Credit Analysis

- Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products. Work with the RM, in preparing & presenting work-shopping notes obtaining all pre clearances like ER negativity, segmentation, etc; and expediting approvals

- Responsible for end-to-end BCA process including preparing the Raptor Pricing model, Credit Scorecard, ESRA, Sanction Linkages, A&S etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval

- Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc

- Optimise risk / return in portfolio

- Liaise with GAM Credit for limit approval/allocation.

- Seek necessary approvals for excesses in the account

- Should prioritise the BCAs thereby balancing the turnaround on new proposals and renewal/monitoring of existing facilities

- Should have a strong oversight on dissemination and understanding of policies, new regulations etc amongst the entire team

- Should play an active role in the implementation of policy/regulatory changes

- Should constantly review and update the processes in the light of changing regulatory requirements / policies

- Should develop industry / product expertise

Credit Monitoring

- Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes

- Monitor quality of the portfolio by tracking Account Churn, End use, Transaction Monitoring, & Portfolio Monitoring tools/Triggers/reports. Highlight exceptions and take necessary actions along with Credit, RM & TL.

- Ensure timeliness and quality of stock inspections/factory inspections

- Ensure timely submission of quality Quarterly Credit/ Performance Reports

- Monitor Risk Triggers, Covenants and other credit conditions and report appropriately

- Ensure Zero BCA and CaRT over dues

- Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries

- Proper maintenance of Credit files and ensuring Audit Ready at any time

- Responding to Audit (GIA/LRM/CA/RBI etc) Ensuring completion of audit actionable on time

- Regularly track the MTM and escalate exceptions

- Attend EAR/Portfolio call/MTM calls along with the RMs

- Ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines

- Play an active role in managing the SMA accounts

- Track the performance of the client with other banks and report exceptions

- Track the Unhedged Foreign Currency Exposure (UFCE), analyse and report appropriately

- Regular client visits and documenting the same

People Management

- Guide, support & mentor the Credit Analysts Team

- Ensure high level of engagement within the Credit Analysts Team

Credit Quality

- Work with Credit Risk to drive improvements in BCA quality across the portfolio.

- Identify and drive improvements in credit processes.

- Driving performance on key credit metrics (overdue BCAs, Rework, Turnaround time,CaRT monitoring, prompt EA reporting/follow up etc)

Location - Mumbai, Delhi, Kolkata, Chennai

Band: 6

Department: SME -Small Business - Commercial Banking