JOB SUMMARY
Job Title: Analyst/Officer– Credit Initiation
Job Grade: Band 9

RESPONSIBILITIES

Manage end to end underwriting processes of loan applications within TAT
Review, recommend and approve credit limits within assigned authority ensuring adherence to all applicable credit approval procedures.
Ensure full compliance with Group Credit Policies and Process Standards. Dispensations or any gaps must be well supported and approved on a timely basis. CADs and CCPMs are renewed on timely basis.
Design, maintain and effectively communicate risk control parameters across the Unsecured Lending, Retail Credit, including policies, control standards, risk exposure limits and other control levers in order to maintain the business's risk profile in line with the Group's risk appetite
Recommend credit proposals up to the relevant sanctioning level.
Adherence to the operating guidelines, procedure, and policies of the Secured product. 
Should be responsible for processing credit applications within assigned territories for possible approval and to assign credit limits and conditions of sale
Liaise between sales and credit team
To visit customers (offices/premises) whenever necessary to obtain more in-depth and accurate information; 
To perform credit reviews and analysis of credit applications.
Maintain an open and cooperative relationship in dealings with regulators

Strategy
Seeing ahead to future possibilities and translating them into breakthrough strategies

Business
Ensure full compliance with Group Credit Policies and Process Standards. Dispensations or any gaps must be well supported and approved on a timely basis. CADs and CCPMs are renewed on timely basis

Processes
Review, recommend and approve credit limits within assigned authority ensuring adherence to all applicable credit approval procedures. 

People & Talent
Actively learning through experimentation when tackling new problems. Using both successes and failures as a learning factor 

Risk Management
Design, maintain and effectively communicate risk control parameters across the Unsecured Lending, Retail Credit, including policies, control standards, risk exposure limits and other control levers in order to maintain the business's risk profile in line with the Group's risk appetite 

Governance
Ensure timely review and establish control  

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.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

Liaise between sales team, product, and Credit team 

Our Ideal Candidate
Bachelors Degree with major in Business Administration, Finance, Accounting, Economics or related disciplines.
Sound knowledge of all aspects of credit industry.
Good credit sense / credit judgment with strong communication and interpersonal skills.
Good knowledge of Microsoft Office.
Sound knowledge of retail lending products, SCB procedures/related policies, banking practices / regulations
At least 1/2 years' experience/training in credit / financial analysis, preferably with debt collection experience.
Strong communication, and presentation skill
Proficiency in both spoken & written English advantage.

Role Specific Technical Competencies
Excellent analytical skills with awareness of local economic and business / legal environment
In Depth knowledge of documentation, credit norms, and risk assessment
Strong leadership, communication, and presentation skills

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.