Credit Analyst, Business Banking

Job Description

*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. Its 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. Were 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.The Role ResponsibilitiesBusinessTo assist Division Director and Relationship Managers in providing proactive account relationship management in respect of the designated portfolio with the ultimate objectives of maximising profits and returns (EP) whilst minimising bad debts (EL management), as well as handle administration work for the Division.Processes

• Assist Relationship Managers in daily account management for achieving budgeted revenue and other campaign targets
• Help drive sales process and enhance utilization by proactively identifying business opportunities and pursuing deals
• Provide high quality customer service on enquiry, transactions handling and offer operational solutions to enhance customer satisfaction
• Coordinate with internal and external stakeholders for document execution and limit activation if applicable
• Prepare Creditmate and basic BCA input for credit approval in a timely fashion
• Promptly attend to excesses / bills referrals in accordance with the Banks policy
• Proactively monitor excesses and communicate with customers in line with account strategy; seek proper approval for excesses; monitor periodic repayments
• Monitor account monitoring trigger on a daily basis; ensure credit, reputation and compliance risks are held to the highest standards of risk management, ensure prompt reporting and take appropriate actions to deal with irregularities
• Follow up closely with customers on submission of financials for timely preparation of analysis
• Effective limits maintenance to avoid excesses due to system constraints
• Ensure facility drawdown after approval in a timely manner
• Coach / develop clerical to facilitate better utilization of resources

Risk Management and Control

• Ensure compliance with external and internal regulations and policies. Read, understand and comply with all provisions of the Group Code of Conduct. Understand and adhere to the Banks Risk policies
• Compliance with internal and external regulatory requirements at all times, in particular for money laundering prevention procedures and reporting any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.
• Ensure KYC/ CDD compliance for all new to bank and existing customers. Exercise risk assessment for new customers by following through all necessary procedures of KYC and mis-selling.
• Ensure effective complaint management.
• Report any suspicious transaction immediately to the supervising officer of Fraud Control
• No failed audit and enhance control and process to minimize audit recommendations
• Explain Securities services and associated risks to clients who are interested in using the Banks related services (applicable to RI only).
• Provide information on securities products and handle related customer enquiries as appropriate in day to day customer interactions (applicable to RI only). Supervise and provide guidance to team members on regulated activities of RIs under SFO where applicable to ensure compliance (applicable to RI only)
• Compliance with the Group Sanctions: U.S. Persons Procedures. [i.e. must not be involved in business involving countries sanctioned by the U.S. and is not to be involved in any Affected Activity.] (applicable to US Person only)

Sales Governance and Operational Risk Management

• Follow operating and instructions/ procedures, understand duties and responsibilities and the need to seek clarification or escalate issues in timely manner
• Attend training/ on the job training adequate to undertake full duties and responsibilities to prevent any operational risk

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, 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 StakeholdersInternal:

• Colleagues in BB, Product & Segment, Fulfilment, Risk, Compliance, Credit Risk Control and other support Functions and Businesses

External:

• Existing Customers To manage relationships, develop business, evaluate credits, negotiate facility terms and pricing, resolve operational problems and secure market information.
• Prospective Customers To market full range of Bank s products and services
• Professionals Lawyers, Valuers, Insurance Broker

Other Responsibilities

• Embed Here for good and the Group s brand and values
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
• Work effectively across SCB, using values behaviours to drive overall business growth

Our Ideal Candidate

• Preferable university graduate with solid working experience in banks
• Strong analytical, verbal reasoning and interpersonal skills
• Ability to understand and analyse financial statements
• Adequate commercial marketing acumen e.g. demonstration of capability in identifying cross selling opportunities
• Excellent customer service orientation
• High responsiveness
• Aspiration in following the career path of Relationship Manager
• Proficiency in Chinese and English including Putonghua

Apply now to join the Bank for those with big career ambitions. To view information on our benefits including our flexible working please visit our career pages . We welcome conversations on flexible working.,

Keyskills :
creditbankingfinancial statementsriskfinanceon thetrainingaccount relationship managementcredit riskrisk controlsales processcross sellingrisk managementrisk assessment