Job Title: Credit Analyst - Global Subsidiaries - (1800034196)
Job: Global Banking
Primary Location: Africa & Middle East-Tanzania-Dar es Salaam
Employee Status: Permanent
Posting Date: 29/Oct/2018
Unposting Date: 13/Nov/2018
About Standard Chartered We are a leading international bank focused on
helping people and companies prosper across Asia, Africa and the Middle
To us, good performance is about much more than turning a profit. It’s
about showing how you embody our valued behaviours – do the right thing,
better together and never settle – as well as our brand promise, Here
THE LIST OF NEW OPPORTUNITIES (82+ POSTS
We’re committed to promoting equality in the workplace and creating an
inclusive and flexible culture – one where everyone can realise their
full potential and make a positive contribution to our organisation.
This in turn helps us to provide better support to our broad client
•Primarily responsible for managing the credit risk associated with and ensuring high quality of the assigned portfolio.
•Closely work with the Relationship Manager (RM) and / or Segment Head
from origination and play a vital role in deal structuring to add value
from a credit/policy/regulatory compliance perspective.
•Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
THE LIST OF NEW OPPORTUNITIES (82+ POSTS
•Interact with the client, gather deal requirements, financial
statements and other inputs for performing quality analysis and due
•Work with RM/product partners in structuring credit solutions for the
clients and ensuring the appropriateness of these products.
•Work with the RM, in a) obtaining all pre clearances such as
pre-screening, negative Economic Revenue (ER), segmentation, etc. b)
preparing and presenting work-shopping note and c) follow up to expedite
•Responsible for end-to-end BCA process including preparing all the
tools including Raptor, Credit Risk Grade Scorecard, E&S Risk
Assessments, etc, in-depth analysis of various risks, quality
presentation and ensuring speedy credit / board approval.
•Ensure compliance with all internal and regulatory credit/other
portfolio related policies e.g. preparing the Country Portfolio
Standards checklist, other special reporting requirements, etc.
•Coordinate and prepare for Credit / Group Credit Committee (GCC)
•Liaise with GAM and GAM Credit for limit allocations and / or approval.
•Release the trade offerings in IMEX, after obtaining the necessary approvals.
•Seek necessary approvals and reporting for excesses in the account.
POST DEAL ACCOUNT MONITORING
•Monitor quality of the portfolio by tracking Excess/past dues and QPRs,
strictly complying with ASTAR, Early Alert (EA)/ Credit Issues
Committee (CIC) and local regulatory processes.
•Ensure timely submission of quality Periodic Credit Reports
•Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
•Ensure Zero BCA over dues and needless extensions by commencing reviews at least 90 days before due date.
•Liaise with Credit on BCA 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 call/MTM calls as necessary along with the RMs
•In partnership with the RM, ensure timely identification of accounts
exhibiting characteristic weaknesses for escalation through the EA as
per the bank’s policies and guidelines
Prepare timely Stress Tests wherever required
•Prepare specific industry study
•Prepare Credit Opinion reports wherever required.
•Effective use of Creditmate & One Workbench
•Take personal responsibility for understanding the risk and compliance
(i.e. conduct) requirements of their role. Understand and comply with,
in letter and spirit, all applicable laws and regulations, including
those governing anti-money laundering, terrorist financing and
sanctions; the Group’s policies and procedures; and the Group Code of
Conduct. Effectively and collaboratively identify, escalate, mitigate
and resolve risk and compliance matters
•Effective structuring of deals along with the RM – no of structured deals handled successfully
•Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
•Revenue from the portfolio
•No overdue BCA, QPRs, DDWs, etc.
•Efficient handling of Account Excesses, EA, minimal ASTAR,
•Responsive action that ensures minimal credit loss and / or provisions
•Satisfactory Audit, peer and other internal & external reviews
•Effective monitoring to avoid movement of account to GSAM without going
through Credit Issues Committee as well as surprise downgrades
•Taking a personal responsibility and involvement in their learning and
personal development with appropriate guidance of the line manager.