Credit Analyst - Local Corporate

Job description / Role

Job Description
* Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
* Closely work with the Relationship Manager from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
* Work with the Relationship Manager on a specified portfolio and facilitate revenue growth in the portfolio.

Key Roles & Responsibilities
* Interact with the client, gather deal requirements, financial statements and other inputs 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 the RM, in a) obtaining all pre-clearances b) preparing & presenting work-shopping note and c) expediting approvals.
* Responsible for end-to-end BCA process including preparing all the tools like Risk Return modelling, Scorecard, etc, in-depth analysis of various risks, quality presentation, RWA calculation and ensuring fast credit approval.
* Ensure compliance of all internal and regulatory credit/other portfolio related policies
* Coordinate and prepare for credit committee meetings
* Liaise with GAM Credit for limit approval/allocation.
* Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with relevant processes. 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 call/MTM calls along with the RM's.
* In partnership with the relationship manager, ensure timely identification of accounts to be put in.
* EAR as per the bank's policies and guidelines.
* Seeking necessary approvals, prior to releasing a Cash/Trade offering.
* Obtaining Quarterly/Annual/Interim financials from the client.
* Effective use of Creditmate & CRM and other systems.

Requirements

* Business or Accounting related degree.
* MBA/ACA preferred.
* Experience in corporate credit analysis
* Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
* Excellent communication (written and verbal) and negotiation skills.
* Preferred Arabic speakers.

Closing Dates
The closing date for applications is 16/04/2015, Please note all closing dates are given in Hong Kong time (GMT + 8 hours). We aim to respond to successful applicants within four weeks and will keep a record or your application in our database so that we can contact you when suitable vacancies arise in future.

Diversity & Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.

About the Company

Standard Chartered Bank started in 1958 in UAE with its first branch in Sharjah. The Group’s business gradually increased in Dubai with the opening of several branches and today, Dubai is the administrative hub of the Middle East and South Asia Region. In its 43rd year, the Bank enjoys the position of having the most extensive branch network among foreign international banks in UAE with 10 branches emirate-wide.

Standard Chartered is an international bank, focused on the established and emerging markets of Asia, Africa, the Middle East and Latin America with an extensive global network of more than 600 offices in over 50 countries. The three principal business groups are Global Markets, Personal Banking and Corporate and Institutional Banking.

In UAE, we are one of the leading banks, offering an extensive range of products and services for personal customers, local companies, multinational corporate and financial institutions.