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Credit Analyst

Published on 13.01.2022

Company

Website : https://www.sc.com/en/
Industries :
Banking, insurance, finance
Services other
Job ads : See our Job Ads
A. Standard Bank Group is the largest African banking group by assets, with a market cap of approximately R318 billion (USD23 billion) at 30 June... read more

Job Ad & Profile Description

Position : Credit Analyst

About Standard Chartered
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.

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 for good.

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 base.

Responsibilities

Origination

  • Interact with the client, gather deal requirements, financial statements for performing quality analysis and due diligence
  • Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products
  • Work with RM in a) obtaining all pre clearances like ER negativity, segmentations, etc b) preparing & presenting work-shopping note and c). expediting approvals
  • Responsible for end to end BCA process.
  • Ensure compliance of all internal and regulatory credit/other portfolio related policies.
  • Liaise with GAM credit for limit approval/allocation. Release the trade offering in IMEX under the delegated Authority from the Segment Head, after obtaining the necessary approvals.
  • Seek necessary approvals for excesses in the account.

Post deal account monitoring

  • Monitor quality of the portfolio by tracking excess/past dues, strictly complying with ASTAR, EAR processes.
  • Ensure timely submission of quality Quarterly Credit Reports.
  • Monitor Risk triggers, Covenants and other credit conditions and report appropriately.
  • Ensure Zero BCA over dues.
  • 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 EAR/Portfolio/MTM calls.
  • In partnership with the relationship manager, ensure timely identification of account to be put in EAR as per the bank's policies and guidelines.
  • Prepare timely stress tests wherever required
  • Prepare specific industry study wherever required.
  • Prepare Credit opinion reports wherever required.
  • Effective use of credit mate & RMWB.

Monitoring and Controls

  • Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that liad down procedures/Policies are complied with any deviations to be escalated to Unit Head/ Head Credit & Operational Risk Controls/Credit
  • Oversight on CIC/ASTAR process. A proactive approach to identifying EAR accounts - No sudden slippages into GSAM.
  • Ensure to remain alert to the risk of money laundering and assist in the Banks efforts in combating it by adhering to the key principles in relation to : identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.

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.
  • Effectively and collaboratively identify, escalate, mitigate and resolve risk.
Required profile for job ad : Credit Analyst

Our Ideal Candidate

  • Degree in Business/Commerce/Economics preferred, however a degree in a science or other related field where analytical skills are gained is acceptable
  • ACCA/CPA qualifications are an added advantage
  • Strong Relationship Management skills
  • Credit Risk Analysis Skills
Job criteria for job ad : Credit Analyst
Job category :
Accounting, controlling, finance
Marketing, communication
Production, maintenance, quality
Industries :
Banking, insurance, finance
Services other
Employment type :
Permanent contract
Region :
Bwizibwera - Entebbe - Gulu - Hoima - Jinja - Kampala - Kasese - Kira - Lira - Masaka - Mbale - Mbarara - Mukono - Nansana - Rest of Uganda
Experience level :
2 to 5 years
Educational level :
Bachelor
Number of Position(s) : 1

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