Credit Analyst - Commercial Clients

Standard Chartered Bank - UAE

UAE

Ref: HP048-750

Job description / Role

Employment: Full Time

Origination:
- 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 like ER negativity, segmentation, etc. b) preparing & presenting work-shopping note and c) expediting approvals.
- Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
- Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
- Coordinate and prepare for GCC meetings
- Liaise with GAM Credit for limit approval/allocation.
- Release the trade offerings in IMEX, 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.
- Monitor pastdue and daily Excess report.
- Ensure CDD and SCC are closed on time.
- 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 RMs
- In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the banks policies and guidelines
- Prepare timely Stress Tests wherever required
- Prepare specific industry study
- Prepare Credit Opinion reports wherever required.
- Effective use of Creditmate & CRM

Key Measurable:
- Effective structuring the deal 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, QCR
- Efficient handling of EAR, minimal ASTAR,
- Nil Provisioning
- Satisfactory Audit and other internal & external reviews
- No movement of account to GSAM without going through EAR

Requirements

- Business or accounting related degree.
- Minimum 3-4 years experience in a corporate/ commercial banking environment within UAE
- Sound understanding of corporate treasury products, trade finance products, consumer banking products and wealth management products.
- Strong credit appraisal, analytical and marketing skills, with the ability to interpret complex financial information.
- A good understanding of the general, economic, political and business environment of the region.
- Excellent communication (written and verbal) and negotiation skills.
- High quality experience in a credit management position

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.

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