Associate

International Corporates (“IC”) is a crucial business vertical within Corporate & Investment Banking (“CIB”). They not only manage Bank's relationships with large corporations but they also assist to overcome challenges our clients may face and help them meet their financial and business objectives.

Credit Analyst is part of the Credit Portfolio Analytics team supporting IC business. The role of Associate requires self driven candidate who will actively engage with Coverage/Global Account Manager/ Global Banking and risk approvers on preparation of the full credit application package covering limit proposal and all relevant risk types (credit risk, fraud risk, sanction risk, sustainability/climate risk, transaction risk, etc.). This also involves ongoing risk monitoring responsibilities. The candidate will work closely with the wider credit analysts team, coverage, product partners and Risk team within the Bank’s policy framework. 

Origination
•    Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence. 
•    Work with Coverage Bankers/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
•    Work with the Coverage Banker in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals. 
•    Responsible for end-to-end credit assessment process using various internal frameworks and policies around Credit risk, return calculations, Scorecard, Environment & Social Risk Management, Climate Risk, Reputational Risk Assessment etc. and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.
•    Ensure compliance of all internal and regulatory, credit/other portfolio related policies e.g. preparing the credit note/ Regulatory checklist, other special reporting requirements, etc.
•    Coordinate and prepare for credit meetings
•    Liaise with Credit for limit approval/allocation. 

Post Deal Account monitoring
•    Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with documentation exceptions, Early Alert (“EA”) processes.
•    Ensure timely submission of quality Annual Reviews of borrowing clients, Quarterly Credit/ Performance Reports
•    Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc.
•    Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
•    Ensure Zero credit note and covenant / risk trigger over dues. 
•    Liaise with Credit on credit proposals and other credit issues and ensure quick turnaround on queries.
•    Proper maintenance of Credit files and ensuring Audit ready at any time
•    Attend EA/Portfolio calls along with the RMs
•    In partnership with the Coverage Bankers, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines
•    Work with RM on account management with stressed asset team
•    Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.
•    Conduct leveraged lending/ other assessments in line with regulatory requirements that the Bank have to meet locally as well as globally

Others
•    Prepare timely Stress Tests wherever required
•    Prepare specific industry study 
•    Prepare Credit Opinion reports wherever required.
•    Effective use of internal systems and other technology tools
•    Be prepared to do any other activity which might be required from job perspective

Strategy
•    Understanding of Bank’s and Business Unit’s strategy as required in the role. 

Business
•    Awareness and understanding of the wider business, economic and market environment in which the Group and business unit operates 

Processes
•    Follow the processes and guidelines as prescribed for the role. Process improvement/ simplification suggestions are welcome. 

People & Talent
•    Team player working in interest of the group and business unit.

Risk Management
•    Critical for the role as defined under Responsibilities section

Governance
•    Ensure actions are in line with extant group and regulatory policies & guidelines.

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

External 
•    Clients / Trade associations, 
•    Legal firms, Accountants, regulators etc

Internal
•    Credit
•    Coverage Bankers 
•    Global Banking 
•    Other stake holders (Business heads and other senior stakeholders/ FM/TB/IMO/Audit etc)
Other Responsibilities
Embed Here for good and Group’s brand and values in India. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;

•    Should be professionally qualified to perform role of a credit analyst i.e. CFA, MBA, Chartered Accountant with minimum 9 years of relevant work experience.
•    Education: CA/ CFA/ MBA
•    Training: Prior Credit Analyst Experience
•    Languages: Professional Competency in English

•    Strong analytical ability (credit analysis)
•    Working knowledge of Industries covered (industry sector understanding)
•    Working knowledge of companies/ clients covered 
•    Working knowledge of macro economic and regulatory environment in India
•    Strong Verbal & Written Communication Skills in English
•    Well organized, able to multi-task and balance competing demands
•    Support/ cultivate// mentor junior team members 

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

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.