Credit Analyst - Standard Chartered Bank

Job ID: 387128

Job Description

To support the sales force to conduct Credit reviews and risk evaluation.   

Ensure Maintenance of a healthy business environment through strict Compliance with AML and CRM   standards, as defined by the Group and Local Regulatory Authorities. 

Proactively establishes, develops and maintains a portfolio of SME clients within business unit¿s target market, ensuring that new relationships or ongoing requirements of existing clients attain maximum revenue within acceptable risk profile requirements by carrying out detailed financial analysis of the client accounts and develops proposals within defined Bank procedures that meet the client needs. 

Further adopts appropriate relationship management strategies to protect the Bank's interests at all times, e.g., potential default, and to meet the clients' expectations of the relationship.

Key Roles & Responsibilities

• Financial analysis of SME customer using credit skills, ratio analysis; evaluation of parent support policies; judgement of management and strategy. 
• Evaluation and understanding of   risk associated with individual transactions, products and borrowers. 
• Undertake   timely annual review  of Limits. 
• Visit/meet customers when required in order to achieve clear understanding of credit 
• Assist sales force to monitor credit quality by highlighting early warning signs of credit deterioration. 
• Ensure compliance with Bank’s policy and to ensure that Bank’s policy breaches are properly authorised at the correct senior approving level. 
• Control and monitoring of daily excesses/ Overdrawn accounts  for  HVSB & ME accounts . 
• Spreading of financial statements and raising appropriate concerns. 
• Monitor receipt of quarterly/annual financial information for annual review & monitor compliance with approval conditions. 
• Ensure that all related administrative functions, most importantly file maintenance, including regular stock inspections, call reports, periodic appraisals are performed in a timely manner  .( for ME associates )
• Provides management information relating to their own portfolio on status of the accounts, excesses, irregular securities, defaulting accounts and exceptions to RM & Unit Head on a regular basis, as and when required.

Qualifications & Skills

• Academic : A Degree in Business/Commerce/Economics is preferred however a degree in a science or other related field where analytical skills are gained is acceptable. 
• Training : Initial stages of Standard Chartered Bank’s Credit Skills Assessment Programme (CSAP). 
• Professional : ACIB/CPA/CPS qualifications are an added advantage. 
• Years of Experience: One year’s experience in a busy Credit Management/Analysis Area of a major Commercial Bank is preferred.

Diversity & Inclusion

Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

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