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

Key Stakeholders

External

  • > Clients (including at senior level) / Trade associations, etc
  • > legal firms
  • > Accountants etc

Internal

  • > Credit
  • > RM/CCG
  • > Sr stake holders (FM/TB/CA/CRC/Credit, etc)

The Role Responsibilities

Origination

  • > Responsible for end to end BCA process including preparing all the tools like Raptor, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
  • > Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence
  • > Seek necessary approvals for excesses in the account.
  • > Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products
  • > 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 meeting
  • > 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.

Post deal account monitoring

  • > Monitor quality of the portfolio by tracking excess/past dues, strictly complying with              ASTAR, EAR processes.
  • > Prepare Credit opinion reports wherever required.
  • > 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.
  • > Effective use of credit mate & RMWB.
  • > Attend EAR/Portfolio call/ MTM calls along with RMS
  • > 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 specific industry study wherever required.

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
  • > 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.
  • > Oversight on CIC/ASTAR process. A proactive approach to identifying EAR accounts – No sudden slippages into GSAM.

Regulatory & Business Conduct

  • > Take personal responsibility for embedding the highest standards of ethics, including          regulatory and business conduct, across Standard Chartered Bank.
  • > Display exemplary conduct and live by the Group’s Values and Code of Conduct.
  • > Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and       compliance matters
  • > This includes understanding and ensuring compliance with, in letter and spirit, all                 applicable laws, regulations, guidelines and the Group Code of Conduct.

Other Responsibilities

  • > Nil provisioning ,Satisfactory audit and other internal & external reviews
  • > No surprise deficiencies to be detected in the Excess Monitoring Reports after the stipulated timelines for checking of the Reports- Evaluation to be based on spot checks by line manager and will take into account any relevant findings by internal/external audit/assurance reviews.
  • > Revenue from the portfolio
  • > No overdue BCA, QCR
  • > Efficient handling of EAR, minimal ASTAR
  • > Effective structuring the deal along with the RM – no of structured deals handle                   successfully
  • > No movement of account to GSAM without going through EAR
  • > A proactive approach to identifying EAR accounts – No sudden slippages into GSAM.
  • Timely generation & circulation of various Monitoring reports.

Our Ideal Candidate

  • > ACCA/CPA qualifications are an added advantage
  • > Degree in Business/Commerce/Economics preferred, however a degree in a science or other related field where analytical skills are gained is acceptable

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