Job Summary

Strategy
•    Act as reference point for Relationship Managers, Business Development Managers and Mortgage Sales Team in relation to all credit proposals as well as Team Leader/guide for the Credit Analyst Team.
•    Work with stakeholders in country to ensure smooth functioning of Credit Analysts processes and specifically relating to new business proposals facilitating sound revenue growth in the portfolio.
•    Play a key role in deal structuring and add value from a credit/policy perspective. Work with RM/TL/product partners in structuring credit solutions for clients and ensuring appropriateness of products offered. Interact with clients, gather deal requirements, financial information and other inputs for performing quality analysis and due diligence.
•    Support the business with a streamlined process for the production and submission of credit applications for all new business and reviews/renewals of existing business. This includes reviewing/verifying required documentation to support a credit proposal and thereafter writing the credit proposal itself including DSR and/or NW computations for establishing debt service capacity.
•    Track L3 exception caps to ensure no breaches and timely pre-fact approvals of temporary cap increases where desirable/necessary.
•    Support Business in relation to ad hoc projects and strategic initiatives.
•    Publish regular metrics to demonstrate quality and timeliness of department work (including TATs and overdue eBCAs).
•    Work towards zero eBCA/overdue credit reviews and work to minimise extensions.
•    Partner Relationship Managers/Mortgage Sales in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects. These include CAR and the risks in lending to residents of numerous countries. As an offshore booking centre ensure the business that is booked is acceptable.
•    Cultivate, collaborate, and maintain close relationships with respective internal partners including Credit Risk, Operational Risk, Compliance and Credit Operations.

Business
•    Communicate Credit Policy/ Process Standard within the business and seek ongoing compliance with the same from all department stakeholders.
•    Continue to develop personal capabilities and skills to meet ongoing business needs and plans.
•    Report to senior stakeholders weekly and monthly management information.

Key Responsibilities

Processes
•    Continuously seek to improve the operational efficiency and effectives of the Credit Analyst’s team processes.
•    Within the roles operating processes ensure compliance with applicable internal policies and external laws and regulations.

People & Talent
•    Ensure you have agreed with your line manager job descriptions and objectives and regularly review and agree priorities.
•    Agree with your line manager any ongoing training and development requirements to ensure you are suitably skilled and qualified for this role.

Risk Management
•    Ensure effective operational risk management within CPBB with an emphasis on comprehensive identification and effective mitigation of significant operational risk exposure.
•    Adhere to the Risk Management Framework and policies.
•    Awareness of the regulatory framework in which the Retail Group Operates, and the regulatory requirements and expectations relevant to the Credit Analysts function.
•     Work with stakeholders if necessary, to ensure that all risks are mitigated.

Governance
•    Ensure that you are always fully aware of the Banks current CDD Procedures and adhere to them.

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
•    Relationship Managers/Business Development Managers/ Team Leaders
•    Client Service Managers
•    CDD Operations
•    Credit Risk
•    Credit Operations

Other Responsibilities
•    Embedding Here for good and the Group’s brand and valued behaviours in Jersey CPBB Banking. 
•    Performing other responsibilities assigned under Group, Country, Business or Functional policies and procedures
 

Our Ideal Candidate

Knowledge of Credit risk

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.