Credit Analyst Job in Bangalore at Standard Chartered

Standard Chartered is hiring for the role of Credit Analyst!

Responsibilities of the Candidate:

• Interact with the client, and 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.
• Obtain all pre-clearances.
• Prepare and present a work-shopping note.
• Ensure compliance with all internal and regulatory credit/other portfolio-related policies e.g. preparing the BCA / Regulatory checklist, other special reporting requirements, etc.
• Coordinate and prepare for credit meetings.
• Liaise with GAM Credit for limit approval/allocation.
• Monitor the quality of the portfolio by tracking Excess / past dues, strictly complying with ASTAR, and EAR processes.
• Ensure timely submission of quality 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 BCA and CaRT over dues.
• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
• Attend EAR / Portfolio calls along with the RMs.
• Work with RM on account management with the stressed asset team.
• Ensure portfolio is maintained with high quality - both, from credit risk and hygiene perspective.
• Prepare timely Stress Tests wherever required.
• Prepare specific industry studies.
• Prepare Credit Opinion reports wherever required.

Requirements: 

• Graduates.
• MBA or CFA qualifications are advantageous, but not required.
• 2 - 4 years of relevant work experience.
• Strong analytical ability, focused on the assessment and calibration of credit risk.
• Strong verbal and written communication skills, with proven ability to work across cultures and within a dynamic environment.