Job Summary

• Quick  turnaround on NTB and new deal proposals. BCA Quality :: Overdue BCAs to be maintained within 5% threshold

Key Responsibilities

• Quick turnaround on NTB and new deal proposals.
• BCA Quality: Overdue BCAs to be maintained within a 5% threshold.
• Credit reverts are to be kept to a minimum, with no more than 1 referback per BCA. 
• Portfolio Control - Downgrade to GSAM < 90 days in EAR to be Nil. 
• Audit – Overall grade satisfactory,100% commitment to code of conduct.
• Timely completion of mandatory e-learning.
• Conduct check thorough financial analysis of companies to evaluate their credit risk.
• Review financial statements, industry reports, and other relevant data to assess financial performance, liquidity, and solvency.
• Conduct credit ratings and recommendations based on analysis and industry knowledge.
• Monitor and track credit performance of existing clients to identify potential risks and opportunities
• Provide timely and accurate credit reports to internal and external stakeholders.
• Stay abreast of industry trends and regulatory changes to ensure compliance and best practices.
• Collaborate with relationship managers and other teams to support business development and risk management.
• Requirements:
• Bachelor's or Master's degree in Finance, Accounting, or a related field
• Strong analytical and financial modeling skills
• Proficient in financial analysis software and tools
• Exceptional communication and presentation skills
• Ability to work independently and as part of a team
• Attention to detail and strong work ethic

Risk Management

• As per Business requirement

Regulatory & Business Conduct
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    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.
•    Lead the India/WRB/Medium Enterprises/Chennai/Credit Analyst to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] * 
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    RBI/SEBI prescribed responsibilities and Rationale for allocation].
[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]
•    Serve as a Director of the Board of NA
•    Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent) 

Key stakeholders

• RM. Credit. 

Other Responsibilities

• Embed Here for good and Group’s brand and values in India/WRB/Medium Enterprises/Chennai/Credit Analyst; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

Skills and Experience

• Credit Analysis
• Ratio Analysis    
• Deal Structuring    
• Risk Identification and Mitigation
• Customer Delight    
• Policy and Compliance    

Qualifications

As per Business requirement

About Standard Chartered

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.

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.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off 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.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support 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
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.