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<div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Job Summary</b></H2> </div><div><p><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Responsible for end-to-end BCA process using all the tools like Credimate , etc and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Liaise with Credit for limit approval/allocation.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure timely submission of quality Quarterly Credit/ Performance Reports</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Review reports from various tools </span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure Zero BCA and CaRT over dues.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Proper maintenance of Credit files and ensuring Audit Ready at any time</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Attend EAR/Portfolio calls along with the RMs</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Work with RM on account management with stressed asset team</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Embed usage of Credit Risk Analytics and Credit Anlytics Framework. </span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Display exemplary conduct and live by the Group’s Values and Code of Conduct.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Manage Key Stakeholders both internal and external.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Key Responsibilities</b></H2> </div><div><p><strong><span style="font-size:10.0pt">Business</span></strong><br><span style="font-size:10.0pt">• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.</span><br><span style="font-size:10.0pt">• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.</span><br><span style="font-size:10.0pt">• Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.</span><br><span style="font-size:10.0pt">• Responsible for end-to-end BCA process using all the tools like Credimate , etc and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.</span><br><span style="font-size:10.0pt">• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.</span><br><span style="font-size:10.0pt">• Coordinate and prepare for credit meetings</span><br><span style="font-size:10.0pt">• Liaise with Credit for limit approval/allocation.</span></p> <p><strong><span style="font-size:10.0pt">Processes</span></strong><br><span style="font-size:10.0pt">• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.</span><br><span style="font-size:10.0pt">• Ensure timely submission of quality Quarterly Credit/ Performance Reports</span><br><span style="font-size:10.0pt">• Review reports from various tools </span><br><span style="font-size:10.0pt">• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately</span><br><span style="font-size:10.0pt">• Ensure Zero BCA and CaRT over dues.</span><br><span style="font-size:10.0pt">• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.</span><br><span style="font-size:10.0pt">• Proper maintenance of Credit files and ensuring Audit Ready at any time</span><br><span style="font-size:10.0pt">• Attend EAR/Portfolio calls along with the RMs</span><br><span style="font-size:10.0pt">• In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines</span><br><span style="font-size:10.0pt">• Work with RM on account management with stressed asset team</span><br><span style="font-size:10.0pt">• Embed usage of Credit Risk Analytics and Credit Anlytics Framework. </span><br><span style="font-size:10.0pt">• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Risk Management</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Display exemplary conduct and live by the Group’s Values and Code of Conduct.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</span></p> <p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Governance</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ensure own and team’s adherence with the relevant policies and processes, including</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Anti Money laundering (AML) and all applicable money laundering prevention procedures</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Client Due Diligence & Related Periodic Reviews</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Client Suitability Standards</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Treating Customers Fairly</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Approval & review of Credit Applications</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Maintain Documentary standards</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Data Confidentiality</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Cross-Border Policy</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Sanctions</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Environmental and Social Risk Management (ESRM)</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Anti-Bribery and Corruption (ABC)</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Embed the Group’s values and code of conduct to ensure adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Engage with all audit report findings and ensure feedback is acted upon</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"></H2> </div><div><p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Regulatory & Business Conduct </span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Display exemplary conduct and live by the Group’s Values and Code of Conduct.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Lead the Business to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</span></p> <p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Key stakeholders</span></strong><br><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Internal</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Credit</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Relationship Manager</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Other stake holders (FM/TB/IMO/Audit etc)</span><br><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">External</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Clients / Trade associations,</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• legal firms, Accountants etc</span></p> <p><strong><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">Other Responsibilities</span></strong><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Prepare timely Stress Tests wherever required</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Prepare specific industry study</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Prepare Credit Opinion reports wherever required.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Effective use of Creditmate</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Be prepared to do any other activity which might be required from job perspective</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Skills and Experience</b></H2> </div><div><p><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Manage Conduct</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Manage Risk</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Manage People</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Business – Market Knowledge</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• Business-Products and Processes</span><br><span style="font-family:arial, helvetica, sans-serif;font-size:10.0pt">• FM – Products – Bonds and Loans</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>Qualifications</b></H2> </div><div><p><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Substantial experience in the banking industry, including demonstrated success in a similar role.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• Ability to work with geographically dispersed and highly varied stakeholders</span><br><span style="font-size:10.0pt;font-family:arial, helvetica, sans-serif">• At least 1-2 years of relevant experience in credit analysis</span></p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>About Standard Chartered</b></H2> </div><div><p>We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</p> <p>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</p> <p>Together we:</p> <ul> <li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li> <li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li> <li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li> </ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:14.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px"><b>What we offer</b></H2> </div><div><p><b>In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p> <ul> <li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li> <li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li> <li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li> <li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li> <li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li> <li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li> </ul></div></div></div>

Credit Analyst