Standard Chartered India | Director - Credit Analysis- Indian conglomerate & Large Corporates

Responsibilities

• The role of Director requires self driven candidate who will actively engage with Coverage/Global Account Manager and risk approvers on preparation of the full credit application package covering limit proposal and all relevant risk types (credit risk, fraud risk, sanction risk, sustainability/climate risk, transaction risk, etc.).
• The candidate will work closely with the wider credit analysts team, coverage, product partners and Risk team within the Bank’s policy framework.
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Work with the RM, in obtaining all pre clearances; preparing & presenting work-shopping note and expediting approvals.
• Ensure compliance of all internal and regulatory, credit/other portfolio related policies e.g. preparing the credit note/ Regulatory checklist, other special reporting requirements, etc.
• Coordinate and prepare for credit meetings.
• Liaise with Credit for limit approval/allocation.
• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with documentation exceptions, Early Alert (“EA”) processes.
• Ensure timely submission of quality Annual Reviews of borrowing clients, Quarterly Credit/ Performance Reports.
• Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc.
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately.
• Ensure Zero credit note and covenant / risk trigger over dues.
• Liaise with Credit on credit proposals and other credit issues and ensure quick turnaround on queries.
• Work with RM on account management with stressed asset team.
• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.
• Conduct leveraged lending/ other assessments in line with regulatory requirements that the Bank have to meet locally as well as globally.
• Prepare timely Stress Tests wherever required.
• Prepare Credit Opinion reports wherever required.
• Ensure actions are in line with extant group and regulatory policies & guidelines.
• Responsible for end-to-end credit assessment process using various internal frameworks and policies around Credit risk, return calculations, Scorecard, Environment & Social Risk Management, Climate Risk, Reputational Risk Assessment etc. and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.
• Post Deal Account monitoring
• Attend EA/Portfolio calls along with the RMs
• Prepare specific industry study
• Follow the processes and guidelines as prescribed for the role.

Requirements

• Effective use of internal systems and other technology tools.
• Understanding of Bank’s and Business Unit’s strategy as required in the role.
• Team player working in interest of the group and business unit.
• Strong analytical ability (credit analysis)
• Working knowledge of Industries covered (industry sector understanding)
• Working knowledge of companies/ clients covered
• Working knowledge of macro economic and regulatory environment in India
• Strong Verbal & Written Communication Skills in English
• Should be professionally qualified to perform role of a credit analyst i.e. CFA, MBA, Chartered Accountant with minimum 9 years of relevant work experience.

Standard Chartered

Standard Chartered is an international banking group headquartered in London, with a strong focus on Asia, Africa and the Middle East. It was formed in 1969 through the merger of Standard Bank and The Chartered Bank.

Its Indian global business services centres hire finance professionals for financial control, stress testing, regulatory reporting, tax and risk roles.

• Industry: Banking and financial services
• Headquarters: London, UK
• In India: Present in India for over 150 years, with global business services centres in Bengaluru and Chennai