Credit Analyst, BB BWC @ ALP Consulting

Job Description

Job: Retail Banking Primary Location: Asia-India-Mumbai Schedule: Full-time Employee Status: Permanent Posting Date: 26/Feb/2024, 11:36:30 PM Unposting Date: Ongoing The Role Responsibilities Job Role This role is within Business Banking for Credit analyst is for analyse financials, banking and other credit related activities. Work in close co-ordination with people in operations at team CRC / SME Ops to ensure disbursal of the cases in time. Assessment of documentation provided for sanctioning of facilities. Monitoring of post sanction condition compliance in time bound manner. Coordinating with various teams for sanctioning of facilities including vendors. Ensuring timely compliance of A-srar for valuations and ECDD approvals of Business banking loans and documentary compliance. Day-to-day monitoring of MIS and control of the relationships i.e. accesses, deferrals, past dues overdue reviews, etc. Key Responsibilities ECDD activation and account opening as per. bank guidelines. Vendor management for timely legal / valuation reports. Portfolio management support for coordinating with CRC / SME operations. A-star compliance as per guidelines. 100% commitment to code of conduct. Timely completion of mandatory e-learning. Strategy Responsible for the portfolio quality and risk including zero tolerance / KYC. Meeting client time to time and check customer performance, discuss debtors stretch and probability of enhancement and other required products. Ensure to have OPAC (Operating Account) criteria satisfied, for example, Quarterly Churning in accounts, Tracking HV transactions and informing client time to time if churning not routing through us. In case of multiple banking proportionate churning to be checked. Client servicing through the Banks Outserve mode with the aim of Customer delight. Business Support Relationship Managers in handling a group of relationships to meet revenue and profit targets for these relationship. Handle deals, together with the RM, from concept to completion with particular emphasis on transaction structuring and documentation. Support RM for NTB clients to onboard where there is a scope of Trade and Bundles FX. To maintain close rapport with clients and provide quality service. Prepare high Quality Business Credit Applications with minimum subsequent rework and time. Processes Support RM Daily Annotation of the transaction as per the DOI. Respond on Transaction Monitoring, SAR, RFI , CDD actionable timely closure within TAT. No pendency. Review and closure of ASTAR items, covenants, deferrals, Pending Documents with in TAT. People and Talent Ensure no overdue and all covenants like Stock and Book Debt Statement/Stock Audit / NPA reporting / Exchange of Information in case Multiple Banking complied with. Risk Management Reporting of deteriorating credit risks in his / her portfolio and ensuring that necessary steps Prompt recognition are taken to minimize loss to the Bank. Renewals of the accounts to be done in timely or any extension required then prior to BCA expired approvals to be taken , Fx Past due and MTM / Grading and actionable as per GPN and comply as per the country regulatory. Governance 100% commitment to code of conduct. Timely completion of mandatory e-learning. Regulatory and Business Conduct Display exemplary conduct and live by the Groups 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 BB RMS - Agri and BWC Central Team - Agri and BWC CI Team External vendors CRC / Operations ECDD Other Responsibilities Embed Here for good and groups brand and values in India - Business banking team Our Ideal Candidate Graduate plus. Role Specific Technical Competencies Computer proficiency About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 160 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 Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations Time-off including annual, parental / maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with 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. Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers

Employement Category:

Employement Type: Full time
Industry: BFSI
Role Category: BFSI
Functional Area: Not Applicable
Role/Responsibilies: Credit Analyst, BB BWC

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Keyskills:   Credit Analysis Financial Analysis Banking Operations Vendor Management Compliance Monitoring MIS Reporting Client Servicing Portfolio Management Risk Management Regulatory Compliance Relationship Management Transaction Monitoring Documentation Assessment Business Credit Applications Portfolio Quality Management