RESPONSIBILITIES

Business

• The scope of the role covers Credit Analysis, business management and portfolio management. Credit Analysis role involves writing BCAs and ensuring Credit Risk approval for deal BCAs and renewal BCAs. It also involves monitoring of accounts which are tagged to the employee. The business management role entails managing all aspects of the business to drive business performance. It will involve a combination of routine, project and ad-hoc work that are either strategic or tactical in nature. It also involves building out the platform for Industries Group. The portfolio management role will involve providing oversight of the quality of the portfolio to Risk and Business, and managing the portfolio within risk limits. It also involves execution of the distribution strategy. Specific areas of responsibility will include:
• Credit Analysis: preparing Deal BCAs and getting Credit Risk approval. 
• Credit monitoring of accounts tagged to the employee.
• Strategy – working with each Industry to develop their growth strategy and driving implementation of the strategy.
• Business performance - preparation and presentation of performance, pipeline, portfolio & client analysis, and the identification of business opportunities.
• Credit Risk – preparation and presentation of portfolio management packs that monitor client portfolio, risk exposures and client strategy; and stress testing as required.
• Distribution – work with Portfolio Management and FM to execute on distribution strategy including collaborating on innovative distribution structures and channels.
• Compliance – Management of risks and controls for Industries Group.
• Cost – Ensuring the business manages cost within budget. This also includes managing the vendor relationships with market data service providers.
• Systems – driving system changes to automate reporting needs.

• Independent Role as Credit Analyst – Should take up one CRE account as credit analyst to manage client needs, robust structuring of facilities, working on new proposals and renewal of existing facilities etc. Should also have strong understanding of policies and regulations along with industry & product expertise. 
• Ensure high standards of governance and monitoring for CaRTs, portfolio reviews, EAR accounts, ASTAR, Audit queries, UFCE/TM, Excess-Past dues etc. 
• Independent role as an ARM and manage two accounts end to end ensuring that all client needs are managed on a day to day basis. Should support RMs in deal documentation, disbursement, liaising with operations, credit, legal etc

Processes

• Manage business and risk management processes without any exceptions
• Responsibility for the first line of defence as a credit analyst
• Ensure deals are properly screened and selected in line with the Bank’s strategy and risk appetite 
• Provide oversight of portfolio risks through the portfolio reviews and escalate to senior management/ risk forums where required.

People & Talent

• Live through example and build the appropriate culture and values. 

Risk Management

• Follow a culture of risk management, control, and governance, and ensure to comply with the risk management processes in place. This includes (but not limited to) compliance with country-level Portfolio Standards, Underwriting Standards, Credit Underwriting Principles (‘CUP’), PPGs.
• Proactively advise on and monitor all major risk issues and portfolio concentrations with Portfolio Analytics & Monitoring (‘PAM’). Where appropriate, advise on remedial action and/ or ensure adequate escalation and reporting to the senior management

Governance

• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
• Accountable for escalation from within CREF and/or other Group governance committees or stakeholders in senior management, risk, or control functions.

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.
• Ensure no Audit findings are found in Credit BCAs or monitoring.
• Operational Risk Framework – work with Risk, Compliance, Assurance and Internal Audit as appropriate to ensure operational risk management and assurance processes are adhered to within the Business.

Key Stakeholders

• Clients of the Bank 
• Client Coverage.
• Segment Head CREF SA
• Regional CCIB Head
• FM Sales, Capital Markets
• Other CCIB verticals e.g., Transaction Banking
• Credit Risk
• Internal Audit
• Legal & Compliance 
• IMO / Middle office

​​​​​​​Other Responsibilities

• Embed Here for good and Group’s brand and values in India - Commercial Real Estate Financing (‘CREF’).
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures. 
• Multiple functions: responsibilities associated with the management of the CREF are all laid out in this document.

Our Ideal Candidate

• Manage Conduct 
• Risk Management and Internal Controls
• Compliance – Governance, Oversight and Control 
• Business – Market Knowledge

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.