Credit Analyst, Commercial Banking

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Company:
Standard Chartered Bank
Location:
Dubai, United Arab Emirates
Salary:
Negotiable
Employment Type:
Full time
Sector:
Corporate Banking
Sub Sector:
Relationship Management
Position Type:
Permanent
Job Reference:
1705258
Date Added:
11-January-2017

Job Description

* Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
* Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
* Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.

Key Roles and Responsibilities

Origination:
* 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 a) obtaining all pre clearances like ER negativity, segmentation, etc. b) preparing & presenting work-shopping note and c) expediting approvals.
* Responsible for end-to-end BCA process including preparing all the tools like Scorecard, 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 Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
* Liaise with GAM Credit for limit approval/allocation.
* Release the trade offerings in IMEX, after obtaining the necessary approvals.
* Seek necessary approvals for excesses in the account.

Post Deal Account monitoring:
* Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
* Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
* Ensure Zero BCA 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
* Attend EAR/Portfolio call/MTM calls along with the RMs
* In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines

Others:
* Prepare timely Stress Tests wherever required
* Prepare specific industry study
* Prepare Credit Opinion reports wherever required.
* Effective use of Creditmate & RMWB

KEY RELATIONSHIPS:
External -
* Clients / Trade associations,
* legal firms, Accountants etc

Internal -
* Credit
* RM / CCG
* Other stake holders (FM/TB/CA/CRC, etc)
Deal structuring, Credit information, industry update approval, reporting, monitoring. Joint management of the portfolio as a cohesive team

KEY MEASURABLES:
* Effective structuring the deal along with the RM - no of structured deals handled successfully
* Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
* Revenue from the portfolio
* No overdue BCA, QCR
* Efficient handling of EAR, minimal ASTAR,
* Nil Provisioning
* Satisfactory Audit and other internal & external reviews
* No movement of account to GSAM without going through EAR

Qualifications and Skills

* Business or accounting related degree or equivalent preferred. Certification in Core Credit Curriculum highly desirable.
* Excellent financial analysis skill and ability to assess client creditworthiness and key risk considerations / mitigations.
* Preference would be given to candidates with ability to create financial models and experience in handling Complex Credits.
* Previous experience in serving business/commercial/corporate clients.
* Product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment.
* Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking.
* Outstanding communication and presentation skills.
* Arabic language skills preferred.

How To Apply

You can search and view current opportunities across our organisation and apply immediately by visiting www.standardchartered.com and selecting Careers. To help speed up your application, please note the following:

- You will need to log in (or register if you are visiting our careers site for the first time) before you can apply for a specific role

- Some roles may require you to undertake an online talent assessment in addition to completing the application form (to facilitate this process it is preferable that you provide us with an email address as part of your contact information)
- We will ask you about your education, career history and skills and experience, it may be helpful to have this information at hand when completing your application

It usually takes 15 - 20 minutes to complete the application form; you can save your application at any time and return to complete it at your convenience.

Closing Dates

The closing date for applications is 23/01/2017. Please note all closing dates are given in Hong Kong time (GMT + 8 hours). We aim to respond to successful applicants within four weeks and will keep a record or your application in our database so that we can contact you when suitable vacancies arise in future.

Diversity and 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.